Topic
Beginners
6 articles
How much do investment fees actually cost you? The number is 17% of your retirement.
The average fund investor now pays 0.32% a year, down from 0.80% two decades ago. If you still pay 1%, the compounding difference over a 30-year savings life is about $99,000 on a $180,000 contribution schedule — roughly 17% of the final balance.
Why most day traders lose money — what 3.7 billion trades actually show
The definitive study tracked every trade on the Taiwan Stock Exchange for 15 years. Around 1% of day traders were predictably profitable after costs, and 93% had quit within five years. Here's the mechanism behind those numbers.
Index funds vs individual stocks — how to actually decide
The honest framing isn't "which one wins." It's what each one costs you in attention, and whether you have evidence you can spend that attention well.
How to practice investing before you risk real money
Most people practice investing wrong — they rehearse picking winners. Here's a method that tests the things that actually decide your outcomes, in about six weeks.
How to start investing with $100 (without wasting it)
$100 will not build wealth. What it will do is buy you the single most valuable thing a beginner can own — evidence about how you behave when money is at stake.
Seven investing mistakes beginners make (and what each one really costs)
Not the usual list. These are the seven errors that show up over and over when you grade thousands of real decisions — ordered by how much damage they actually do.
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