Topic
Investing
You don't need to pick stocks. You don't need to time the market. You need a boring, diversified portfolio and the patience to leave it alone. These posts cover the 3-fund portfolio, total market vs S&P 500, asset allocation by age, and the math on why active management almost never beats the index. If you're starting from zero or finally taking this seriously after years of "I'll set that up later," start here.
6 articles in this topic.
Featured posts
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Fidelity vs Vanguard vs Schwab: Pick One
Fidelity, Vanguard, or Schwab? The honest answer for a 3-fund portfolio: pick any of them. Here's what actually differs and what to stop worrying about.
9 min read -
Total Market vs S&P 500: Does It Matter?
VTI vs VOO, FSKAX vs FXAIX — the total market vs S&P 500 debate explained with actual numbers and 30-year projections. Spoiler: you're overthinking this.
8 min read -
Asset Allocation by Age: A Practical Guide
The 110-minus-age rule is a solid starting point — most people ignore it. What it means, why young investors should skip bonds, and allocation by decade.
8 min read -
Tax-Loss Harvesting: Free Money (Sort Of)
Tax-loss harvesting offsets capital gains and cuts your tax bill — if you follow the wash-sale rules. Here's the VTI→ITOT swap and the honest math on deferral.
8 min read -
Why Index Funds Beat Active Management
Most active funds underperform their benchmark over 15 years. The math on expense ratio drag alone should end the debate. Here's why index funds win every time.
9 min read -
The 3-Fund Portfolio: All You Need
Three funds. That's all it takes to build a complete, diversified portfolio. Here's the exact tickers at Fidelity, Vanguard, and Schwab — plus how to allocate.
8 min read
