Wealth Management Social Media and Updates
Wealth Management Social Media and Updates
It’s wild how most people spend 2,080 hours/yr working to earn money, but almost 0 hours managing that money… It takes 10-20 minutes per day to learn: - budgeting - investing - optimizing your finances The earlier you start, the better off you'll be in long term
Everyone says they are ready for a correction. Some even say they want a correction. Very few will have the stomach or the cash to follow through on their intentions and buy when others are selling. It can happen over weeks, months,...
Earn >£50,270? These are the 2 most important things to do Comment ‘tax’ and I’ll send you my full end of tax year checklist 📋
Most people think the big decision in investing is which fund to choose. Where to put the money. Which strategy is best. I get it, because that's where all the energy goes at the start. But after doing this for years,...
Money-Market Funds & CDs: Americans’ Ballooning Piles of Interest-Earning Low-Risk Investments. They’re investment choices, like bond funds, bonds, etc., not that illusory “cash on the sidelines” https://t.co/lVQU0uXsDh https://t.co/eIxrOAhyxN
$70k of cash sitting in a Roth IRA… That’s 10 years of contributions getting only 2-4%/yr from MMF Instead of ~10%/yr from S&P 500 in that timeframe Just a reminder: your Roth IRA contributions need to actually be invested.
Wars can move markets in the short run, as they are today. But over the long run, stock returns are driven by economic growth and corporate earnings. Since 1941 the world has seen almost constant conflict. And yet, $1 in the S&P 500...
The reality is that trying to increase savings actually has a dual positive effect on reaching retirement: not only does it mean there’s more in the account to grow, but saving more reduces your retirement savings need. https://t.co/eEAqccbz3U #retirementplanning #advicers
I think about this Lou Brock quote a lot and how it relates to investing. The willingness to look wrong in the short-term to be right in the long-term. "Show me a guy who's afraid to look bad, and I'll...
"Asset allocation explains 93.6% of investment returns." You've heard that stat. It's wrong. What the paper actually found, and what the industry has been misquoting for 40 years, is the subject of our latest video for @IFAdotcom 👇 #Investing #WealthManagament #Finance https://t.co/HtF2EcPoVu
Everyone starts somewhere. If you are new to dividend growth investing, these 10 episodes are the perfect starting point. 🔗 https://europeandgi.com/how-to/dividend-growth-investing-for-beginners-10-podcast-episodes-to-listen-to-first/
During the conversation today with Lee Freeman-Shor and Clare Flynn Levy who have analyzed the trade data of many of the best fund managers in the world - I asked what decision type do successful managers have the most issues...
For most investors, a well-diversified portfolio of funds will do the trick. But if you want to try to identify winners like the pros on Wall Street, there are steps you can take. https://t.co/6RP6PY8ebH
You’re 32, Software Engineer, NYC. $250k income. $350k retirement $250k brokerage. Do you max retirement/brokerage accounts or focus on saving for a $1M apartment down payment?
If your company has match with your 401K and your budget can’t handle contributing 5%. Don’t skip your contributions — start with 1% and move the needle as you get a bump via bonus or pay. I did this and...
Beating the S&P 500 isn't difficult. But beating the S&P 500 consistently, over the long term, is very very difficult. Many people overestimate their ability to pick good stocks over the long term. They eventually realize that it’s a losing game. That's why...
The “Upgrade Trap” Why Most People Become Poorer Every Time They Buy a Bigger House This is one of the most ignored patterns in Gurgaon. People think upgrading homes means moving forward. In reality, most upgrades reset wealth. And every reset delays compounding. The First Property...
It’s a bit ironic that so many tech founders and executives find me through AI, only to hear my first piece of advice—don’t rely on AI. I recently addressed a rolling GRAT question from a young married couple and discovered they...
Warren Buffett: 5 Subtle Habits That Quietly Build Massive Wealth For The Middle Class https://t.co/N7BvM6vNW2
Charlie Munger: "99% will be in the bottom 99%. That's just the way it's going to work." "In my generation, the nerds who were patient and rational eventually did well — who lived within their income and worked at being sensible...
It’s always been amazing to me how you can have 10 microcaps in the portfolio with a similar positive fundamental/solid management setup over the next two years. You think they can 2-3x. A few will and several won’t quite make...
$100 will not make you rich. But the decision you make with your first $100 will determine whether you ever become rich at all. Getting your first $100 is a big deal. Whether it came from a freelance job, a gift, a side hustle...
You open a savings account labelled "Education Fund." You start contributing every month. You feel responsible. Meanwhile, there's an investment plan you set up years ago. Quietly compounding. Already on track to hit $200,000 by the time your child turns 18. Nobody...
The $1M take-home test: → NYC W2 — gross $1.99M → LA W2 — gross $1.92M → Florida W2 — gross $1.52M → Florida biz owner — gross way less → Puerto Rico Act 60 — keep almost all of it Where you live is a...
💰 Personal finance links: why rich people borrow money, tax planning as a family affair, and why you shouldn't go broke buying a house. https://t.co/6LdWwApcUY image: https://t.co/viXpGW7Ln3 https://t.co/C7cYELGUSE
We get lots of questions around what return stacking looks like. So, we built a simple tool to explore how different stack sizes and blends, when layered on different stock/bond bases, behaved historically. (Link below.) https://t.co/ogWicOHDD6
If you want to retire at 65, you have to save at least 15% of your salary (including 401k match) starting at 25. Use that money to: 1. Get full employer's 401k match 2. ESPP (if applicable) 3. HSA (if eligible) 4. Roth IRA 5. Finish...
I wrote this article a couple years ago before resources went on a tear, but I still like to look at cyclical or hated industries through this lens. How does a business get a premium valuation when they sell a...
“Sweden is more capital-friendly than California in almost every category that matters for building generational wealth”
A client told me something last month that I've been thinking about ever since. He said, "Ben, we put in the money. And then what? We just sit here and hope?" He wasn't angry. He was genuinely confused. Like there should be...
"Long-duration businesses create value through incremental reinvestment." The biggest investing secret? Value compounds quietly over time. Long-duration businesses win because they reinvest small gains again and again. That’s how real wealth is built.
Investors who embrace boring strategies that minimize rollercoaster-like movements in their portfolios are often the ones who stay on track to meet their financial goals. https://t.co/AmWppEmzl3
Social Security vs Investing 🤔 So far I’ve paid ~$200K into SS Will add ~$15K/year → ~$560K total by 62 If that same money was invested in SPY… ≈ $2.3M 📈 That’s ~$1.8M in gains vs a system you don’t control....
24 popular dividend stocks that can help you build passive income over time. From V, WMT, MCD, and COST to JPM and GOOG — these are companies with strong businesses behind their payouts. The goal isn’t just yield… it’s consistency + growth. Which...
A new tax deduction lets buyers claim up to $10,000 a year on interest paid for new, American-made cars purchased between 2025 and 2028. To qualify, the vehicle must be assembled in the U.S., verified by its VIN, and bought...
1% investment fee per year will lower your portfolio by ~25.8% over 30 years. 0.10% investment fee per year will lower it by only ~3% over 30 years. That 22.8 percentage point difference could cost you $$$. Fees also compound. Pay attention.
Over the last 75 years, the average intra-year market drop has been 14%. If you are overly stressed out about the current 5% drawdown, the stock market isn’t for you. Downside volatility is the price investors pay for long-term outperformance....
Billionaire investor Warren Buffett's strategy? Stay away from flashy stocks, and assess fundamentals to find undervalued ones. https://t.co/qsceHG36d7
"If I buy property in Singapore and I already own something in KL, how does that affect what happens to both if something happens to me?" That question told me everything about where this client was at.
5 questions that separate investors who see the market from investors who see through it. Swipe. Same data, completely different intelligence depending on your role. Which question would change your allocation this quarter? https://t.co/jl0egsdwNw
Peter Lynch once said: "If you spend 14 minutes a year thinking about economics, you have just wasted 12 minutes." Here are his 10 investing principles to navigate uncertainty:
The biggest issue with holding big positions (winners and losers) is when you lose your rationality. You only see what you want to see or hope the business to be, not what it actually is. You must always stay anchored...
"Avoiding Probate" is misleading as the marker of estate plan success. Because probate is so commonly framed as something to be avoided at all costs, its presence is often interpreted as evidence that the estate plan failed. That interpretation is...
The key to reaching your long-term financial goals is often to keep investing simple. https://t.co/vu3RFU8Uw3
Are you still broke at 30? Time to flip the script and build real wealth. Start here: • Grow yourself: Level up skills to boost your income. • Spend smart: Cut unnecessary fluff—every dollar counts. • Save aggressively: Aim for that...
🆕 Adviser links: searching for tax alpha, the AI threat, and the challenge of goal setting. https://t.co/9J3UbREYin chart: https://t.co/DlD779WvsT https://t.co/kv9j0u0L9q
I've developed an easy trick to make money gambling. Buy the casino's stock in an IRA or other tax-deferred acount, then wait about 20 years.
In the 1970s gold was recommended in many places as a 10-15% weighting of your portfolio. Today it’s basically zero. Gold has shot up but if recommended allocations skew higher to follow prices it could be a long term tailwind...
Personal finance expert Suze Orman has years of experience guiding people on how to make the most of their money. https://t.co/ldmDmg2eVO
The equity risk premium (ERP) is an essential ingredient in hurdle rates in corporate finance, discount rates in valuation and expected returns in financial planning. In 2009, I pulled together everything I know about the ERP, in a paper that...
