Tilting To Small And Value Stocks – Yea or Nea?

Tilting to small-cap and value stocks is all the rage these days in the portfolio management world. There’s even a company pretty much devoted to it, Dimensional Fund Advisors (referred to as DFA in finance-nerd sectors), whose funds have rapidly gained notoriety over the past few years. There are plenty of prominent advisors who advocate some sort of tilting

How To Invest If You Don’t Have Much Money

For all the great strides Wall Street has made in making investing easy and affordable for the average person over the past few decades, investing still costs money.  Most mutual funds have minimums in the thousands of dollars (not hundreds), and brokerage commissions make buying individual stocks prohibitively expensive if you only have a little to invest. 

Why I Still Prefer Vanguard Index Funds Even Though They’re No Longer The Cheapest

For decades, the name Vanguard has been synonymous with “index funds.”  Ever since the establishment of the first index fund open to individual investors, the venerable Vanguard 500 (VFINX), Vanguard index funds have stood out as the low-cost gold standard of the mutual fund industry and have attracted a fiercely-loyal following of passive investors.  The

Millennials Actually Have It Pretty Easy Saving For Retirement Compared To Previous Generations

Technically, I belong to the millennial generation (defined as those born after 1980), but I really identify more with Generation X than my fellow millennials. Let’s face it, somebody born in 1982 had a completely different cultural experience growing up than those born in 1992. I remember the days before the internet, and even when

Use This One Investing Trick And You’ll Boost Your Retirement Income Almost 30%

Wouldn’t it be incredible if there was something akin to a magic bullet when it comes to investing? Something you could do, almost mechanically, that would dramatically boost your eventual income in retirement? Well, there is! I know it sounds too good to be true, but it isn’t. Let me explain…  The One Magic Bullet

5 BS Myths About Building Wealth Everyone Thinks Are True

Public attitudes towards the wealthy these days are…unflattering. So it should come as no surprise that all manner of myths have arisen around the act of building wealth and the characteristics of those who become wealthy. Don’t be fooled, though. Were most of these myths true, rich people would be rarer than unicorns (which totally

Why “Savers Are Losers” Is The New Normal And What To Do About It

In days of yore, “I have CD’s at 3 different banks” was quite the cocktail party boast. I remember thinking my grandmother must hold accounts at every bank in the state when I was a kid. This was a big deal for two reasons.  It meant you probably had enough money to need to spread

How To Give Investment Advice (If Somebody Forces You To)

I’ve never exactly blogged anonymously, so it’s only natural people in real life have become aware of my online properties over the years. I suppose it’s also only natural that since I run a personal finance blog, they occasionally ask me for financial advice. I hate it when this happens and I usually try to

Where I’m Coming From And Who Will Most Benefit From My Advice

Previously, I surmised one of the reasons so much personal finance advice on the internet is so bad is that the experiences and situations of the author are so different from those of the reader. This often leads to advice that is either irrelevant, inappropriate, or sometimes flat-out wrong for the reader. Problem is, many readers,

Three Reasons So Much Personal Finance Advice On The Internet Sucks

The proliferation of personal finance blogs over the past decade has, in many ways, been a boon to consumers. I’d like to think I’ve helped at least a few people with my personal finance blog over the years. But for every piece of good advice out there, it seems like there are 10 pieces of horrible,