An educational resource for people who want to invest wisely—without unnecessary complexity or “secret strategies.” The site breaks down the mechanics of investing: index funds, dividend-paying stocks, tax optimization, retirement accounts, and real estate as an investment vehicle.
Two retirees can earn the same average return over 30 years and end up in completely different places. The difference is when the bad years arrive. Here is how to defend against the worst of it.
Bitcoin might go to $500,000 or $0 — the honest answer is nobody knows. At 1-5% of portfolio, either outcome is survivable. At 30%, the bad case is career-ending.
Quarterly rebalancing costs taxes and trading fees without improving returns. Annual rebalancing at 5% bands is the sweet spot the research actually supports.
110 minus your age was the old rule. At 40 that's 70% stocks. With longer lifespans and lower bond yields, the right number for most is 85-90%.
The 2055 fund is probably your default. It's also holding 15% bonds you don't need at 35, and charging 0.65% for the privilege. The math says rebuild it.
Vanguard says 40%. Buffett says 0%. The historical data says the answer depends on a question most investors skip.