Making sure lifestyle inflation never gets ahead of our income and wealth inflation is a core fundamental in personal finance. Ideally, we want to widen that gap between income and expenses so that we can one day live free. However, what if you are already living free? Or what if your investment returns are so […]
Can Your Lifestyle Inflation Keep Up With Investment Inflation? Read More »
To be savvy investors, we need to learn how to connect the dots. There are so many investment clues to discover all around us if we spend time observing. One of the dots I think I’ve connected is that old school health and fitness stocks are an intriguing laggard reopening trade. I’m not talking Peloton,
Health And Fitness Stocks: The Last Reopening Trade Read More »
A Roth IRA conversion is potentially a way to save on taxes in retirement. However, for most people, converting to a Roth IRA is probably a waste of time. It is highly unlikely you will make more in retirement than while working. As a result, your tax rate will likely be lower in retirement. I
A Roth IRA Conversion Is Probably A Waste Of Time And Money For Most Read More »
SPAC is an acronym that stands for Special Purpose Acquisition Company. SPACs have been making headlines primarily for helping some notable private companies go public. As a curious investor, it’s always good to explore new ways to potentially make money. But it is even more important to only invest in something you thoroughly understand. This
What Is A SPAC And How Does It Work? Another Way To Raise Capital Read More »
At some stage in your investing journey, you may experience a situation where your investment returns surpass your active income (non-investment income, job income). The first time this happens, you may feel excited as you imagine the possibilities. But you likely won’t quit your job just in case it was a fluke. However, after several
Investment Returns Versus Active Income: When Work No Longer Matters Read More »
If you ever find yourself in a situation where you are unsure about an investment, to minimize regret, I suggest you go halfsies. Halfsies is when you either buy or sell half your normal amount. When $520,000 worth of equity structured notes matured, I faced the challenge of figuring out how to reinvest the proceeds.
Unsure About An Investment Decision? Go Halfsies Read More »
Ever since 2012, I’ve invested in equity structured notes to provide for some downside protection. Structured notes have sometimes gotten a bad reputation because they may be complex and expensive. However, just because you don’t understand something doesn’t mean you should burn it at the stake. If a structured note can give you the courage
Not All Structured Notes Are Bad, But There Are Downsides To Know Read More »
Liquid courage is sometimes needed to talk to a person you fancy. The more alcohol you drink, the more your inhibitions tend to go away. In the finance world, liquid courage is also what’s needed to make risky investments or investments during risky times. The more cash you have, the more liquid you are and
Liquid Courage: The Biggest Benefit Of Cash Read More »
Although I’m a DIY investor and encourage people to figure out how to invest themselves, there’s absolutely a place for hiring a financial advisor or investment manager to manage your money, or at least a portion of it. Back in 2015, I did some consulting for a fintech startup called Motif Investing down in San
Strong Reasons For Hiring A Financial Advisor Or Investment Manager Read More »
Since 1995, I’ve been a do-it-yourself investor (DIY investing). It all started when I saw my father trading stocks on his Charles Schwab online account. I was hooked and asked him to teach me. The introduction led me to trade stocks during college. Sometimes I’d win, sometimes I’d lose. Thankfully, my portfolio was only about
DIY Investing: An Easy Guide To Investing Your Own Money Read More »
