After sharing my 2022 housing market forecast, it’s only right to share my 2022 stock market forecast. Creating forecasts helps me think things through given I’ve got real money at stake. First some background. Due to continued gains in the stock market, roughly 35% of my net worth is in equities. This is 5% higher […]
2022 Stock Market Forecast: Uninspiring Upside Read More »
Some people think sugary processed foods are why we get soft. Other people argue transitioning from a labor-intensive to a capital-intense economy makes us less active. I’m going to argue high I Bond returns are the real reason for making us not try so hard! Investing in an I Bond today is almost too good
I Bond Returns: Almost Too Good To Be True Read More »
The new COVID variant, Omicron (B.1.529) was first detected in South Africa in November 2021. Omicron is now the dominant COVID variant today. Reports are showing Omicron is less potent, which is leading to less hospitalizations per infected cases. Reported symptoms are generally more mild as the variant doesn’t seem to attack the respiratory system
The New COVID Variant Investment Thesis For Stocks And Real Estate Read More »
I made a mistake with both my children’s 529 plans. Instead of investing in equity index ETFs, I invested in target date funds (TDF). Both target date funds have significantly underperformed, costing my children $40,000+ of lost profits in just a few short years. Instead, I should have invested the 529 plans in an S&P
The Problem With Target Date Funds: 529 Plan Case Study Read More »
Before I share the best asset class performers from 2001 – 2020, I want you to guess the following four things: 1) Of the following asset classes, the S&P 500, a 60/40 stock/bond portfolio, Bonds, REITs, Commodity, Emerging Market Equity, Small Cap, Homes, which performed best? 2) What was the annualized return for the best-performing
The Best Asset Class Performers From 2001 – 2020 Read More »
A strong mind is everything. You need a strong mind to get rich. You also need a strong mind to win at sports and get ahead in many aspects of life. One of the goals of achieving financial independence is financial security. We want to feel secure financially so we ironically don’t have to think
The Ultimate Source Of Financial Security: Your Strong Mind Read More »
Making sure lifestyle inflation never gets ahead of our income and wealth inflation is a core fundamental in personal finance. Ideally, we want to widen that gap between income and expenses so that we can one day live free. However, what if you are already living free? Or what if your investment returns are so
Can Your Lifestyle Inflation Keep Up With Investment Inflation? Read More »
To be savvy investors, we need to learn how to connect the dots. There are so many investment clues to discover all around us if we spend time observing. One of the dots I think I’ve connected is that old school health and fitness stocks are an intriguing laggard reopening trade. I’m not talking Peloton,
Health And Fitness Stocks: The Last Reopening Trade Read More »
A Roth IRA conversion is potentially a way to save on taxes in retirement. However, for most people, converting to a Roth IRA is probably a waste of time. It is highly unlikely you will make more in retirement than while working. As a result, your tax rate will likely be lower in retirement. I
A Roth IRA Conversion Is Probably A Waste Of Time And Money For Most Read More »
SPAC is an acronym that stands for Special Purpose Acquisition Company. SPACs have been making headlines primarily for helping some notable private companies go public. As a curious investor, it’s always good to explore new ways to potentially make money. But it is even more important to only invest in something you thoroughly understand. This
What Is A SPAC And How Does It Work? Another Way To Raise Capital Read More »
