The “Perpetual Portfolio”: A potential solution for aging DIY investors
Being a self-directed investor has enormous advantages: more control, less complexity, and often higher net returns, to name a few. But there are also risks and one of the big…
This category is all about investing in stocks, bonds, and real estate. I might write about individual equities, ETFs, REITs, and mutual funds.
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The AQN Problem
It's been a long time since I've written about a specific stock. Truth is, I'm not that interested in individual stock analysis because I just don't see the upside. Even…
Positioning
Organisms can position themselves in one of two ways from an evolutionary perspective: specialize or generalize. Specialist species are adapted to a narrow range of conditions. They are specialized for…
Retirees are leaving money on the table
You’ve worked hard for your money. You’ve accumulated wealth by being responsible with your spending and saving decisions. Why? So that you can use that money to enjoy a long,…
How to think about bear markets
I heard someone smarter than me say on a podcast recently, "We don't react to the events in our lives. We react to our interpretation of those events." He was…
Optimists, pessimists, and realists in life and investing
My last post, Why I am not a Bitcoin investor, sparked a surprisingly positive response both in and out of the comments section - thank you to those who reached…
Why I am not a Bitcoin investor
I have been slow to get on the Bitcoin train. OK, actually I've kept a safe distance and watched that shiny Bitcoin engine gain speed and momentum, hurtling through space,…
Life is like a jar of golf balls
Here is an apocryphal story for you. Its veracity may be questionable, but its impact and utility are not. A university professor enters a classroom full of students carrying a box…
Comparing CPP at 60 vs. 65 vs. 70 . . . The results might surprise you
There are some questions that are difficult for DIY investors to answer themselves. One that comes up fairly frequently when I mentor people who are close to retirement is when…
The dividend trap: what it is and how to avoid it
A reader asks: I’m a 62 year old business owner looking at retirement in the next few years, trying to figure out what kind of portfolio is going to provide…