by Stoffel | Apr 16, 2026 | Financial Literacy
Introduction Every payday follows the same script. Money arrives, bills go out, subscriptions renew, groceries get bought, and whatever is left over, if anything is left over, gets saved. It feels responsible. But at the end of the month, the savings account barely...
by Stoffel | Apr 15, 2026 | Investing
Introduction On April 9, 2026, Howard Marks published “What’s Going on in Private Credit?” – a full-length memo on the state of the market. Marks is co-founder of Oaktree Capital Management, one of the world’s largest alternative...
by Stoffel | Apr 9, 2026 | Financial Literacy
Introduction Picture this. You wake up on a Tuesday morning, check your phone, and find a message from your landlord: the lease is not being renewed. Or your car breaks down on the expressway. Or the company you work for announces layoffs, and your name is on the...
by Stoffel | Apr 2, 2026 | ETF, Investing, Portfolio Management, Risk Premia
Introduction So, you have gone through the checklist. You understand your goals. You know your time horizon. You have accepted that markets will go up… and down. You are ready. Now comes the harder part; not intellectually, but behaviorally: What do you actually do...
by Stoffel | Mar 26, 2026 | Investing
A Practical Checklist Before You Buy Your First Stock Introduction At some point, many people reach the same conclusion: “I should start investing.” Maybe it is driven by rising costs of living. Maybe it’s curiosity. Or maybe it is simply the realization that leaving...
