Stoffel Wealth

Building Wealth, One Step At A Time

Welcome!

StoffelWealth.com is a personal blog focused on retail investing and financial literacy, offering practical insights on how to build wealth – one step at a time.

This blog is for retail investors, curious parents raising money-smart kids, and anyone on the path to building meaningful, long-term wealth.

At StoffelWealth, I share honest, experience-based insights. No hype. No shortcuts. Just the real work of showing up, learning, and staying in the game.

Here’s what you’ll find:

📈 Investing

This is where I share personal, hands-on insights from my own journey as a retail investor. From building model portfolios to managing risk, my goal is to help everyday people grow wealth over time – without the noise.

 

🧠 Financial Literacy

If you want to raise money-smart kids – or become money-smart yourself – this is your space. I share practical tools, stories, and systems to help families and individuals build financial literacy from the ground up. Because understanding money early can change everything later.

🌍 The Miscellany

Because life isn’t just about investing and money. In this corner of StoffelWealth, I post thoughts, discoveries, and offbeat topics that don’t quite fit anywhere else – but are too interesting not to share.

Whether you’re here to master your money, teach your kids, or just poke around, I’m glad you’re here. Let’s build wealth – slowly, intentionally, and with a little curiosity along the way.

Latest Blog Posts

Save or Spend? Helping Kids Make Smart Money Choices

👨‍👩‍👦 A Note to Parents Once your child starts receiving a regular allowance and learns that money can grow (thanks to the magic of compounding), the next natural step is helping them decide what to do with their money. Should they spend it now on something fun? Or...

The Magic of Compounding

🧠💰 The Magic of Compounding - How to Explain It to Your Kids 👨‍👩‍👦 A Note to Parents Compounding is one of the most powerful forces in finance - and one of the hardest to appreciate without seeing it in action. For kids, it's like magic: the longer your money sits and...

Don’t Panic!

Tariffs, Tumult, and Staying the Course: A Note to Long-Term Investors Markets are down. Headlines are loud. Uncertainty is abundant. But for long-term investors, this is not the time to panic. In response to a new wave of global tariffs announced by the Trump...

How I’m Teaching My 7-Year-Old About Money – One Allowance at a Time

How I’m Teaching My 7-Year-Old About Money - One Allowance at a Time When it comes to raising financially confident kids, few tools are as effective - and practical - as a simple weekly allowance. This week, I’m starting an allowance system for my 7-year-old son....

Why Even a Crystal Ball Won’t Make You Rich

Imagine having tomorrow’s news today. Would you use it to strike it rich in the markets? That’s the premise behind a fascinating experiment conducted by Victor Haghani, James White, and Jerry Bell, described in their article “When a Crystal Ball Isn’t Enough to Make...

Why Retail Investors and Traders Lose Money

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

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

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

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?

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?

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

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

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

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

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

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

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

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...
Volatility and Returns

Volatility and Returns

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...

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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.