Beyond 60/40: Bonds No Longer Guaranteed Diversifier
I continue to advocate looking beyond the simple 60/40 paradigm to seek protection from both the 60 and the 40. Bonds are still a viable asset class but they are no longer a surefire diversifier to equities. https://t.co/8GRaglZUAs
Earn on Spending or Subsidize Banks—No Middle Ground
You’re either earning on your spending, or subsidizing your bank. There isn’t a third option. 3% on everything, 15% on food + rides, or nothing 💳 Most people will read this and do nothing. 👇 https://t.co/W72fnPrAXx Thanks @ether_fi for sponsoring the show
Rebalancing Works—If Assets Stay Uncorrelated in Downturns
Rebalancing a diversified portfolio is one of the more robust strategies out there. Shannon showed with his “Shannon’s demon” portfolio that periodic rebalancing of two alpha-less investments could make money; the fly in the ointment is that they need to...
Buy the Dip, Not the Hype.
Investing for dummies: Stop FOMO buying pumps Start FOMO buying dumps on bullish assets Now you're buying discounts and not chasing premium prices like everyone else
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Most people think the secret to building wealth is finding the right stock. It's not. It's starting before you feel ready. Buffett bought his first stock at 11. Not because he had it figured out — because he started. That $114 compounding...
Spend 5 Minutes Daily for Financial Confidence
Taking a quick five minutes to check in on your finances while you eat breakfast or commute to work could help you feel more in control of your money. https://t.co/VyvdVlw501
New Income Strategies Replace Broken 4% Rule
Bonds are failing retirees. The 4% rule is broken. Covered call ETFs are leaving money on the table. Free CE credit panel TODAY at 1 PM ET with @TuttleCapital. What actually works for income in 2026. https://t.co/RQPLScxiYP
Bank Savings Earn 0.01%, T‑Bills Yield 3.5%
Big banks rip you off. BoA, Chase, and Wells Fargo pay ~0.01% interest on your savings. They earn BILLIONS off your cash by lending it out at 6.5 Instead of keeping your savings there, consider Treasury Bills paying ~3.5%, state tax free, backed...
High Earners Lack Money Confidence? Try This 5‑Point Fix
A lot of high earners don’t feel confident about their money — even when things look “fine.” There’s a reason for that. I unpacked it here: High-Income, Low Confidence? This 5-Point Plan Can Fix That | Kiplinger https://share.google/afgSluijuIsguiiKt
Diversified Long-Term Investing Turns Market Turbulence Into Opportunity
Remember this the next time you find yourself in a turbulent market with bad news: 1. You are a long-term investor 2. Diversified portfolios are resilient 3. Down markets present opportunities 4. Corrections and bear markets have always given way to a recovery https://t.co/7U3OZH4iTy
Stop Waiting: Use Your Money to Fund Life
Everyone has a version of "the list". The place you'll visit when the kids leave home. The slower life you'll start when things calm down. The problem? Everything NEVER lines up. The list doesn't get shorter.. You just get older. I've spent 20...
Family Happiness Beats Lavish Vacations; Live Below Your Means
Sure, you can spend £5,067 on a lavish holiday. Or, for you £22 you can: Get 100 x 2ps, 20 x 50ps and 10 x £1s - and have an absolute scream at the arcade. Your kids don’t give a sh** about: All inclusive...
Pick XRP Income or Growth Fund Based on Life Stage
Two funds, two goals. The DWP income fund pays cashflow. The growth fund builds more XRP. Both require accredited investor status. The right allocation depends on where you are. Long runway and no income need, growth fund. Retired and funding...
Metrobank's Moneygurado Uses Real Stories to Teach Finance
🇵🇭Metrobank boosts financial literacy campaign with #Moneygurado: The 'Moneygurado' initiative combines a public awareness campaign with a docuseries that frames #money management through real-life Filipino experiences rather than traditional rule-based guidance. Great initiative by @Metrobank: https://t.co/EdGXMngyIO #FinancialLiteracy #resilience #Philippines
Simplicity Keeps Your Retirement Savings on Track
Keeping it simple is the best way to keep your retirement-savings goal on track. https://t.co/U0en039ICj
Five Tax-Free Retirement Withdrawal Strategies Advisors Must Know
Tax-free retirement distributions sound straightforward until you get into the actual rules. Join Tim Steffen for this Kitces webinar, where Tim will cover five strategies advisors use to get money out of retirement accounts without a tax hit: rollovers, after-tax basis recovery, NUA, Roth withdrawals,...
Affluent Inflation Nearer 6%, Not 12%: Stay Realistic
In my view, affluent peoples inflation is closer to 6% a year on average. I think 12% a year is overstated as an inflation goal, even if I looked at my own spending from 2006 to now. Most people's household...
Hang up when Telemarketers Demand Gift‑card Payment
The next time a telemarketer asks you to pay with a gift card, hang up. https://t.co/eKgkYoJ3Cw
Key Finance Tips: College Costs, Retirement Timing, Tax Refund Ideas
💰 Personal finance links: paying for college, a bad year to retire, and things to do with a tax refund. https://t.co/IciYnkS3Od image: https://t.co/qERaT4pLag https://t.co/JULFagq6xC
Investing Beats Saving: $357k Extra by 65
John saved $200/mo from 25 to 65 in a savings account getting ~3%. At 65, he has ~$190k. Bob invested $200/mo from 25 to 65 getting ~7.25%/yr on average. At 65, he has $548k. $357k difference between saving vs investing. If you want...
Stay Invested: S&P 500 Wins 75% of Years
The S&P 500 averages ~10% per year… But the reality? • Best year: +34% • Worst year: -38% • Positive ~75% of the time Long-term investors win by staying invested, not timing it.
Financial Freedom Makes Life Exponentially Easier
Life becomes 1000X easier when you have: - No car loan - No school loans - No credit card debt - 6 months of expenses saved - Automated monthly investments
Inflation‑linked Bonds Boost Nominal Returns, Tax on Unrealized Gains
𝗧𝗮𝘅𝗲𝗱 𝗼𝗻 𝗠𝗼𝗻𝗲𝘆 𝘆𝗼𝘂 𝗛𝗮𝘃𝗲𝗻'𝘁 𝗥𝗲𝗰𝗲𝗶𝘃𝗲𝗱 😲 To see how RSA Retail Savings Inflation-Linked Bonds work, let’s look at a hypothetical investment of R100,000 over a 5 year period 𝗟𝗲𝘁'𝘀 𝘀𝗮𝘆 𝘆𝗼𝘂 𝗶𝗻𝘃𝗲𝘀𝘁 𝗥𝟭𝟬𝟬,𝟬𝟬𝟬 𝗶𝗻 𝗮 𝟱-𝘆𝗲𝗮𝗿 𝗶𝗻𝗳𝗹𝗮𝘁𝗶𝗼𝗻-𝗹𝗶𝗻𝗸𝗲𝗱 𝗯𝗼𝗻𝗱 𝗮𝘁 𝗮 𝟰.𝟳𝟱%...
Selling Means Two Decisions: Exit and Re‑Entry Timing
"Should I sell?" feels like one decision. It's actually two. Right to sell. Right to buy back lower. Nobody on Wall Street times that consistently. Family investors managing under 15 stocks definitely don't. Want those odds? The honest math 👇 https://open.substack.com/pub/dralexkoh/p/should-i-sell-my-stocks-the-monday
Good Stock? Only at the Right Price
Most investors ask "Is this a good stock?" Wrong question. The right one: "Is this a good stock at this price?" The same business can be your best investment or your worst, depending on what you paid. Price isn't just a number. It's...
Real Estate Leverage Lets $60k Control $300k Asset
$60,000 down on a $300,000 rental property controls a $300,000 asset. That same $60,000 in the stock market controls $60,000. The bank will never offer you that deal on a stock. They've been telling you which asset they trust more for hundreds of...
HSAs: Tax‑Free Growth, Lifetime Benefits, Retirement Flexibility
Why we love Health Savings Accounts (HSAs) in 2026: 1️⃣ Tax-deductible contributions (lower your taxable income) 2️⃣ Tax-free investment growth 3️⃣ Tax-free withdrawals for medical bills 4️⃣ Your balance never expires and stays with you if you change jobs. 5️⃣ At age...
Every Past Market Crash Recovered—Don’t Panic Now
You've been here 9 times before. COVID. 2022 bear. Yen carry. Liberation Day. Epic Fury. Every single one looked like THE top while you were living through it. Every single one recovered. 9 of 9. You're at panic top number 10. Full breakdown 👇 https://open.substack.com/pub/dralexkoh/p/should-i-sell-my-stocks-the-monday
Add a Solo 401(k) to Boost Side‑Hustle Savings
To anybody with a full-time W-2 and a side hustle in 2026: You can likely open a solo 401(k) for your side hustle and use this to get up to $72K into this plan on top of what you put into...
Stress‑Free Investing Redefined in New Book Release
I'm very pleased to announce that my new book, THE AWESOME PORTFOLIO, will be released on September 8th, 2026. It's a stress-free approach to investing, and it blows to smithereens the conventional wisdom about saving for retirement. Pre-order here: https://t.co/2ADIy8Jfh7
Inflation Eats Savings; Invest to Preserve Wealth
$100k today is worth the same as: - $82k in 2021 - $73k in 2016 - $68k in 2011 - $61k in 2006 - $54k in 2001 "Saving" is an oxymoron... So here's the easiest (and safest) way to invest your money:
Inflation Steals Value; Invest to Protect Wealth
Inflation is the tax that nobody votes for. The government prints money... Banks lend it out... And 25 years, every dollar you own is worth 46% less 😬 The ONLY solution is investing, and this is the easiest way to get started 😉 Share this...
First‑Gen Accountant Shares 7 Money Lessons From 20s
7 MONEY TRUTHS I LEARNED IN MY 20s, As a 29-year old 1st gen Chartered Accountant:
Consistent Saving Beats Picking the Right Investment
The investment decision that matters most Saving consistently matters more than picking investments. #WealthBuilding #FinancialPlanning https://t.co/barJJEQNbf
Check Your Portfolio Less for Less Stress, Better Returns
Why checking your portfolio less helps Less checking often means less stress and better outcomes. #LongTermInvesting #BehaviouralFinance https://t.co/vWXJKp3lOU
Staying with Parents Boosts Median Household Wealth
The secret to stunningly high median household wealth is living with your parents well into your 30s with limited geographic mobility or job opportunities in reach.
Hit Savings Goal, Pay Lump Sum, Accelerate
One of my clients has been saving toward a full website redesign and last week we officially hit the goal. We set a savings target, tracked it in her cash flow forecast, and when I pulled her numbers the final amount...
Conviction Drives Portfolio Survival; Trim Small Positions
Most DWP clients are diversified across multiple assets. Twenty tokens is common. The exception is long-term Bitcoin holders who prefer one asset and a simple strategy. Scattered portfolios get trimmed. Small positions without conviction are usually the first to go....
Turn Your Financial Mess Into Money Mastery
If you financially f**********cked up but you want to turn it around & get your money right…… I hope you find my page.
High‑Yield Bonds Can Mask Non‑existent Cash
Pro tip: if a bond trades at >10% yield with a net cash balance sheet… the cash might not be real
Pay More Once, Save Forever: Choose Durable Appliances
You can buy a $15,000 oven/range that will last forever. Or you can buy a $1500 one that will last 5 years
Free 401k Guides for New Investors
If you are new and looking gor investment here are some free guides example for 401k https://www.investtofire.com/blog/2026-03-401k-calculator-guide-maximize-retirement
Leverage, Not Slow Savings, to Control $300K Quickly
Yeah… just throw $500 a month into stocks and become a millionaire. Should only take you 34 years. Or you could control a $300K asset this year using none of your own money…
Start These Habits Now for a Future‑Ready Life
What every teenager should be doing right now to set themselves up for the future.
Ignore 52‑Week Highs: Best Buys Often Appear Strong
"The hardest stocks to buy are often the ones the market is telling you are working." My latest memo: Don’t Fear the 52-Week High https://t.co/maO0NjM84P https://t.co/uSecDvzaVW
Smart Families Brace for 2026 AI Job Wave
Layoffs this year: -> Dell: 11,000 -> Meta: 8,000 -> UPS: 30,000 -> Oracle: 20,000 -> Amazon: 16,000 2026 is the Great AI Displacement. Here's how smart families are preparing financially:
Financial Advisors: Guiding Decisions Beyond Market Beats
A lot of people think they don't need a financial advisor because an index fund can beat most portfolio managers. They're not wrong about the index fund. But that's not actually what a financial advisor is for. The real value isn't...
RMDs Trigger Forced Equity Sales, Yet Allocations Rise
Not sure this is taking place: Many Managed Retirement accounts with active RMD's (Required Minimum Distributions) should have asset allocation models that result in forced Equity selling in order to rebalance the portfolios weightings. Seems like equity allocation are swelling.
Allocate Crypto Based on Cashflow, Not Risk Labels
Risk tolerance in crypto is relative. Clients holding 100% of their net worth in digital assets will call themselves conservative. Conviction changes perception. What does retirement look like? What cashflow do you need? Short term inside one year, medium term around...
Zero Tax Refund Means Smart Cash Flow Management
Most people get excited for a tax refund. I don't. A $0 refund is the ultimate flex. Why? Because a refund means you gave the IRS an interest-free loan. That’s YOUR money that could’ve been reinvested into your business all year. A...