Bonds: When to Actually Add Them
A 28-year-old accumulator probably needs 0% bonds. That changes as you approach your FIRE number. Here's exactly when and how to make the shift.
Tag: investing
All the articles with the tag "investing".
Do You Need International Stocks?
VXUS vs. VTI-only: the oldest Boglehead argument. Here's what the data says, where Bogle and Vanguard disagreed, and a concrete allocation range to pick from.
Financial Order of Operations
Where your next dollar should go, in exact priority order. A deterministic flowchart for engineers who want the math to make the decision, not vibes.
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.
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.
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.
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.
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.
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.