Index Investing
The Hidden Trade Inside Your Index Fund: What the ‘Index Effect’ Cost You, and Why It Faded
Index funds must trade what the index says, when it says, in public. For decades that was a…
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…
What Are Fractional Shares? How to Invest When You Can’t Afford a Full Share
A fractional share lets you buy part of a share by the dollar โ so $10 buys into…
VTI vs VOO: Which Benchmark ETF Should You Hold for Life?
VTI vs VOO: same issuer, same 0.03% fee, about 82% of the same holdings. The one real difference…
Total Market vs S&P 500 Index Funds: Does the Difference Matter?
A total-market fund holds ~3,600 US stocks; an S&P 500 fund holds ~500. The one real structural difference…
Target-Date Funds Explained: Set-and-Forget Investing, Reviewed
A target-date fund is a whole portfolio in one ticker that reshapes itself as you age. How the…
Should You Invest More in a Bear Market? What the Data Says
Should you invest more when the market crashes? What the historical data says about buying bear markets โ…
Dollar-Cost Averaging: The Evidence, the Math, and the Limits
Does dollar-cost averaging work? What the research says about DCA vs lump sum, the math behind why lump…
REITs Explained: Should Real Estate Be Part of Your Portfolio?
REITs let you own real estate without a mortgage or a tenant โ but the dividend is taxed…
How to Start Investing With $10 a Day: The Autopilot Plan
How to start investing with little money: a three-rule autopilot plan for $10 a day into a benchmark…