by Stoffel | Sep 3, 2026 | Investing
Once you have settled on a simple ETF strategy, one question tends to come up quickly: should I focus on dividend-paying investments, or just go for total return? The question seems simple. The answer depends on things most dividend content never mentions. Dividend...
by Stoffel | Aug 27, 2026 | Investing
You have decided what to invest in. Now you need somewhere to actually do it. For most long-term investors, the choice of broker is a decision that gets made once, rarely revisited, and carries real consequences – both in cost and in what you can access. The problem...
by Stoffel | Aug 20, 2026 | ETF, Investing, Portfolio Management, Risk Premia
A reader who has just used the savings rate calculator knows two things: how much they can save each month, and roughly how large a portfolio they need for financial independence. What they do not know is what to actually buy. That gap is where most people freeze or...
by Stoffel | Aug 13, 2026 | Financial Literacy
Most people have a general sense of where they stand financially. They know roughly what they earn, roughly what they spend, and roughly what they have put aside. Roughly, though, is not a plan. And it is not enough to build a financial life that gives you real...
by Stoffel | Aug 6, 2026 | Financial Literacy
Say you retire with a portfolio of 1,000,000. In year one, you withdraw 4 percent of it or 40,000. In year two, you do not recalculate 4 percent of whatever the portfolio has grown or shrunk to. You take the previous year’s amount, 40,000, and adjust it for inflation....
