Stoffel Wealth

Building Wealth, One Step At A Time

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What can you find here?

StoffelWealth.com is a personal blog focused on retail investing providing information on how to build wealth one step at a time. Slowly grinding towards financial independence.

And since life is interesting there are lots of things worth sharing. The Miscellany contains stuff completely unrelated to the main investing theme of this blog.

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Latest Blog Posts

Why Retail Investors and Traders Lose Money

by Stoffel | March 27, 2025 | Biases, Decision Making, Investing, Leverage | 0 Comments

Why Most Retail Investors Lose Money Most retail investors – everyday individuals trading stocks and other assets – end up losing money or underperforming the market. Various analyses worldwide confirm this trend. For example, regulators in Europe found that 74–89% of...

Portfolio Hedging: An Overview for Investors

by Stoffel | March 20, 2025 | Hedging, Portfolio Management | 0 Comments

Introduction Stock market downturns are a regular occurrence, and they are part of every investor’s experience over time. Exposure to risk is what generates long-term returns—but it also requires investors to accept periods of volatility and temporary losses. This...

The Importance of Financial Literacy for Kids

by Stoffel | March 13, 2025 | Financial Literacy | 0 Comments

Why Kids Should Learn Financial Literacy Early Introduction Financial literacy is one of the most critical life skills a person can possess, yet it’s often overlooked in traditional education systems. Teaching kids about money from an early age is essential for...

Volatility and Returns

by Stoffel | March 6, 2025 | Investing, Risk Premia | 0 Comments

Should you worry about the volatility of asset returns as a long-term investor? Yes, you should, because it will cost you money over time. People tend to only look at arithmetic returns of an investment, meaning the return in a specific period. Instead, investors...

Do you gamble?

by Stoffel | October 15, 2024 | Biases, Decision Making, Speculation | 0 Comments

Many people lost lots of money in the past “investing” too much of their money into perceived lucrative opportunities. Think Gamestop. During the GameStop short squeeze in early 2021, many retail investors rushed to buy GME shares as the stock price soared due to the...

Do You Want To Be Wealthy Or Just Rich?

by Stoffel | October 5, 2024 | Decision Making, Wealth | 0 Comments

Exploring the True Meaning of Wealth When most people think of wealth, the first thing that comes to mind is money - being rich, having a large bank balance, owning properties, or being able to afford luxury goods. However, while being rich typically refers to one's...

Getting Started: A Basic Risk Premia Portfolio

by Stoffel | September 30, 2024 | ETF, Investing Blog, Risk Premia | 0 Comments

Part 1: Recap of Risk Premia Harvesting As described in a previous post, Risk Premia Harvesting is a very accessible trading strategy for any retail investor and does not require a lot of effort to get going and keep going. As highlighted there, the most important...

Leverage

by Stoffel | September 23, 2024 | Investing, Leverage | 0 Comments

Leverage is a powerful tool in both investing and trading, allowing individuals and institutions to amplify their potential returns by borrowing money or using other financial instruments. When used wisely, leverage can significantly enhance profits. However, it also...

Bayes Reasoning

by Stoffel | September 22, 2024 | Biases, Decision Making | 0 Comments

Bayes’ reasoning is a powerful tool for decision-making under uncertainty. It’s used not just in statistics but also in various fields like medicine, artificial intelligence, economics, and investing. The crux of Bayes' reasoning is updating your prior beliefs as new...

Market Timing

by Stoffel | September 20, 2024 | Decision Making, Investing | 0 Comments

Investing in the stock market can be an exciting and daunting task. One of the most debated strategies within the world of investing is market timing – an approach where investors try to predict future market movements in order to buy before prices rise and sell...

Biases

by Stoffel | September 20, 2024 | Biases, Decision Making | 0 Comments

This post on biases is structured into 3 parts: Part 1: Understanding Biases and Their Impact on Decision-Making Part 2: Individual Biases That Lead to Bad Financial Decisions Part 3: How Biases Influence Financial and Investment Decisions Part 1: Understanding...

Risk Premia Harvesting

by Stoffel | September 11, 2024 | ETF, Investing, Risk Premia | 0 Comments

If Investors want to earn expected returns higher than the riskless rate, the most reliable way is to bear risks that markets reward with a premium. A less reliable way is to pursue active management, in which successful investors (skillful or lucky) reap gains at the...

My Principles of Investing

by Stoffel | September 10, 2024 | Investing | 0 Comments

I was lucky! Very lucky! The first chapter of my investment journey ended with a portfolio loss of 70%. Why was I lucky? Because that was the moment I learned my most important lesson in investing. But let me start at the beginning. I became interested in stock...

Why Retail Investors and Traders Lose Money

Mar 27, 2025 | Biases, Decision Making, Investing, Leverage

Portfolio Hedging: An Overview for Investors

Mar 20, 2025 | Hedging, Portfolio Management

The Importance of Financial Literacy for Kids

Mar 13, 2025 | Financial Literacy

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Disclaimer

I am not a qualified licensed investment advisor but a private retail investor with a broader interest in financial literacy. All information and content provided here, including any thoughts and ideas, opinions, forecasts and predictions, suggestions, or investment picks expressed or implied herein, are for informational, entertainment or educational purposes only and should not be construed as personal investment advice. While the information provided is believed to be accurate, it may include errors or inaccuracies.

I will not and cannot be held liable for any actions you take as a result of anything you read here. Conduct your own due diligence or consult a licensed financial advisor or broker before making any and all investment decisions. Any investments, trades, or other decisions made on the basis of any information found on this site are executed at your own risk.

StoffelWealth.com is my personal blog focused on retail investing reflecting my personal views. No representations or warranties are made with respect to the accuracy or completeness of the content of this entire blog, including any links to other sites. The links provided are maintained by their respective organizations and they are solely responsible for their content. All information presented here is provided ‘as is’, without warranty of any kind, expressed or implied.