Inflation silently erodes the value of savings held in cash. Understanding how inflation works and which investments protect purchasing power is essential knowledge for every saver.
Investment Guides & Articles
ESG Investing Explained: Align Your Portfolio with Your Values
ESG investing integrates Environmental, Social, and Governance factors into investment decisions. Learn what ESG means, how to evaluate ESG investments, and whether responsible investing sacrifices returns.
Asset Allocation: How to Build a Portfolio That Matches Your Goals and Risk Tolerance
Asset allocation — how you divide your portfolio between stocks, bonds, and other assets — is the single most important decision in investing. Learn how to get it right.
Dollar-Cost Averaging: The Investment Strategy That Removes Emotion
Dollar-cost averaging (DCA) is one of the most effective strategies for long-term investors. Learn how it works, why it beats market timing, and how to implement it in your portfolio.
Dividend Investing: Building a Reliable Passive Income Stream
Dividend investing lets you build a growing stream of passive income from stocks. Learn how dividends work, which metrics matter, and how to construct a solid dividend portfolio.
Index Funds vs. Active Funds: Why the Data Favors Passive Investing
Decades of data consistently show that most actively managed funds fail to beat simple index funds. Learn why passive investing outperforms and how to put this knowledge to work.
ETFs Explained: The Modern Investor’s Complete Guide
Exchange-Traded Funds (ETFs) have revolutionized investing. This comprehensive guide explains what ETFs are, how they work, their advantages over mutual funds, and how to choose the right ones.
Understanding Investment Risk: How to Take Smart Risks and Avoid Foolish Ones
Risk is not the enemy of investing — uncompensated risk is. Learn to understand the different types of investment risk, how to measure them, and how to build a portfolio that takes smart risks.
The Power of Compound Interest: How Time Turns Small Savings Into a Fortune
Compound interest is the most powerful force in personal finance. Learn how it works, see the numbers, and discover why starting early makes a monumental difference to your wealth.
Why You Should Start Investing Today: A Complete Guide
Discover why investing is one of the most powerful tools for building wealth and financial security. This complete guide explains the compelling reasons to start investing today.
SPXDTE0 – Zero Days to Expire S&P500 Options Strategies
Within the realm of options strategies, the term DTE0 has gained increased interest recently. Notably, applied to the S&P500 index in the United States. So I did some research on this investment strategy and summarize here its main properties and reasons for its popularity. Options are very powerful and versatile financial instruments that allow implementing basically any pay-off profile one wants. However, they also involve (potential unlimited!) risk, if not only buying options but also writing (or selling) options is… Continue reading SPXDTE0 – Zero Days to Expire S&P500 Options Strategies
What is your savings rate?
One important factor in determining your potential to start investing is your savings rate. That is, the share of your total income that you don’t spend in month year. It can vary from negative values (if you increase debts) towards values as high as 50% or that you only spend half of your income on consumption. Looking at the average across people in countries, here the savings rates in 2018 across countries , which are all pretty much in the… Continue reading What is your savings rate?