Consistent ETF Investing Beats Market‑Timing Gambles
Trying to time the market is just another form of gambling. You can win a few times in the short term, but the odds are never in your favor in the long run. That's why I invest consistently in broad ETFs, regardless of price, for the long term. Odds are much better that way.
Mega Backdoor Roth: Bypass Income Limits via 401(k)
My favorite loophole in the US tax code The IRS says if I make over $168K filing single or $252K married filing joint I cannot contribute directly to a Roth IRA but what I can do is use my 401K plan...
Childfree Estate Plans Need Custom Trusts, Not Traditional Clauses
The starting point is to recognize that for Childfree clients who don't have children, 'just' coming up with someone to serve as attorney-in-fact, executor, and/or trustee, can be a remarkably difficult decision. https://t.co/KFZlvuilqG Because the focus of estate planning for Childfree...
Control Quality, Allocation, and Holding Period to Win
No one knows where the market will go from here. We can’t control what it does. Focus on the 3 main things you can control: - quality of investments - correct asset allocation - your holding period That’s how you win in the long term
Four Retirement Risks: Portfolio vs Advisory Solutions
4 risks to retirement security, including those that can be mitigated through portfolio-based strategies (e.g., longevity and market risk) as well as those (including mortality and decision risk) that require different types of solutions from the advisory toolkit https://t.co/1ntd8BY5TS #WeekendReading...
Consistent Index Investing Beats Market Timing Every Time
Time in market > timing the market I don’t freak out over stock market dips. I don’t buy dips, either, or change my behavior whatsoever. Every time that revenue hits my account (around 10 days per month), I immediately invest a...
401k Can Fund Early Retirement—Rules Make Withdrawals Possible
Many finance bros say "don't max out your 401k, just get the match, you can't early retire with 401k" but that's not really true because: 1. rule of 55 (can pull at 55 if you quit your job) 2. 72t plan (can pull...
Start Early: Small Monthly Savings Build $2M
If you want to hit $2M by age 65 (assuming a 7% inflation-adjusted return in the $SPY), here is what you need to invest every single month: 📍 Age 20: $520/mo 📍 Age 30: $1,100/mo 📍 Age 40: $2,500/mo 📍 Age 50: $6,500/mo 📍 Age...
Global Diversification Rebounds After Worldwide Market Crashes
"Everything Crashes At The Same Time, So Why Bother?" Contrary to the view that global diversification may offer little protection from market declines, it is especially salient in cases of a worldwide recession – while the average individual country’s returns...
Maxed Roth IRA: Exact Buys, Gains, and Returns
Did a full Roth IRA reveal in this week's video - How I maxed my Roth IRA - Total gains and return - My exact buys Give it a search on YouTube (and hit it with a like if you find it helpful)
Smart Rebalancing Cuts Taxes and Boosts Savings
The way you rebalance your portfolio will determine how much you pay in taxes. Doing it incorrectly can result in unnecessary expenses, but there are a few rebalancing rules that can maximize your savings. https://t.co/THJGk6LSHp
Ignore Market Noise; Let Solid Investments Compound
Larry Goldstein of Santa Monica Partners, who compounded at 16% for 40 years (!) would often say: ‘I know nothing about the stock market.’ - The news of the day typically becomes irrelevant over a long enough time period - Don’t focus...
Farmland's Modest Returns, but Data Centers, Solar Boost Yields
The Cult of Farmland Investing: Over the past 70 years, long-term appreciation of farmland has averaged about 6% annualized. Only about 3% of US farmland is currently owned by institutional investors. Land converted for data centers can bring in 8 to...
Earn ₦1M Dividend Requires ~₦9.2M Investment
I know you may be thinking about how much you need to invest to earn one million naira or more per stock on dividend, well here is a simple formula For Access Bank Dividend yield= (Annual dividend per share ÷ Current...
Gold Oversold; Expect Stocks to Outperform Next Two Years
Should you invest in gold now? The monthly Sensex to Gold ratio has just hit its most oversold condition in 30 years. 📈🪙 According to the historical data in the chart, here is what it means for your portfolio: 1/ This chart...