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What Is The Cost of Waiting To Invest?

Most of the financial news I have been reading lately has been focused on reasons a person might want to sell their equities: Today I’d like to talk about something that is incredibly important for everyone to understand. When it comes to building wealth, the biggest cost you will face is the cost of waiting to invest. I don’t think the enormity of this cost is appreciated by most people, which is why I am going to quantify it for you. There will always be an event, or in some cases just an overblown theory, that will serve as a reason to believe it is the end of the world as we know it, a reason to just stay on the sidelines and avoid any but the safe haven dujour.

September 26, 2022

Stocks are Quite Overextended, but…

Given this short-term uncertainty, a logical question arises: “how much of my portfolio should I keep in cash?” This is an excellent question and one that can be informed by some mathematical evaluation. I say “informed” because mathematical models cannot precisely predict the future. They can, however, help guide our decision-making. Today I am going to discuss how I view the cash vs. stocks decision. I’m going to leave out the discussion of gold (for now). The benefit of this article to you should be to give you some ideas of a general framework you can use to shape your own decision-making.

May 23, 2022

Which is Better, Massive Diversification or High Dividend?

In this post, I am going to compare the results of withdrawal policies applied to two different portfolios consisting of equities and gold. The first portfolio will center around one of the largest positions in my portfolio, VYM, which is the Vanguard ETF that tracks the FTSE US High Dividend Yield Index.

May 17, 2022