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 | Jul 9, 2026 | Investing, Portfolio Management
Harry Browne built a portfolio that has survived stagflation, the dot-com collapse, the 2008 financial crisis, and the inflation shock of 2022. It has done exactly what it was designed to do for nearly five decades. And yet, for most people reading this, it is...
by Stoffel | Jun 25, 2026 | Investing, Portfolio Management
“Buy and hold” is one of the most useful pieces of investing advice ever given. It keeps investors in the market through volatility, suppresses trading costs, and reduces the tax drag of short-term gains. But somewhere along the way, “buy and...
by Stoffel | Jun 18, 2026 | Investing
Bull markets are dangerous. Not because prices fall, but because they teach investors the wrong lesson. When everything goes up for a sustained stretch, timing starts to feel easy. Buy something, wait, watch it rise. Repeat. The discipline of when to invest starts to...
