Insights
Research for people who hold things for decades
Notes on the decisions that actually move outcomes: how much you save, what you pay, how you are allocated, and when you take the money out.
The quiet case for boring index funds
Costs compound in the wrong direction. Here is what a 0.60% expense ratio actually takes out of a 30-year retirement balance.
5 min readRebalancing without guessing
Bands beat calendars, and both beat intuition. A simple rule for keeping risk where you set it.
4 min readThe research briefing
One email a month. Allocation, taxes and retirement income - no market calls, no trade ideas.