Woo Joong
SCHD, VYM and JEPI: Two Calculations the Yield Table Hides
Two assumption-free calculations on figures already published: why a JEPI yield quoted from one month can be nearly…
The Power of Compounding Explained: Why Time Beats Timing
Compounding is earning returns on your returns, and it is exponential, not linear. The formula, the Rule of…
The Question Everyone Argues About Is Worth 3.7%
I ran the lump-sum-vs-DCA question on 150 years of US market data myself. Lump sum wins about two-thirds…
The Lever You Actually Control: Why Your Savings Rate Beats Your Return for Years
For the first decade or two, how much you save matters more than what you earn on it…
A Profit Factor of 70, and the Account Still Blew Up
I coded over a thousand indicators, built backtests with profit factors above 70, and burned more than seventy…
Institutional Investing, Honestly: Size Is an Edge That Charges Rent
What professionals actually get that you don’t โ and the structural tax they pay: market impact, implementation shortfall,…
Will That Dividend Get Cut? A Field Guide to Dividend Safety
A high yield is a question, not a gift. How to judge whether a dividend will hold โ…
Nominal vs Real Return: Why Your 7% Isn’t 7%
Your statement number and what it can buy are different things. Real return, the exact Fisher formula (not…
The Dividend Tax Nobody Reads About: Qualified vs Ordinary, and Where You Hold It
Qualified dividends are taxed at 0/15/20%, ordinary ones at up to 37%. What makes the difference, the 2026…
DRIP: How Dividend Reinvestment Compounds โ and When It Actually Helps
What DRIP is, how reinvested dividends buy shares that pay more dividends, why the compounding needs time, and…