Investing - intellectualfinance.com

What Happens When You Start Dollar Cost Averaging $10 of Bitcoin Every Day for 5 Years?

The interesting thing about buying Bitcoin every single day is not what happens to your money. It’s what happens to you. Most articles about dollar cost averaging treat it like a math problem. They show you charts with lines going up. They calculate returns. They compare strategies. But somewhere between the spreadsheet and the real […]

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Why Your Long-Term Strategy is Failing Your Monthly Returns

Why Your “Long-Term” Asset Allocation is Failing Your Monthly Returns

Asset Allocation, Investing

Every investor has heard the gospel of long-term thinking when it comes to asset allocation. Buy and hold. Stay the course. Time in the market beats timing the market. These mantras get repeated so often they’ve become financial scripture. But here’s the uncomfortable truth: while you’re busy being patient and strategic, your portfolio might be

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Why Your 10-Year Portfolio is Probably Betting on a Dead World (Secular Trends)

Secular Trends: Why Your 10-Year Portfolio is Probably Betting on a Dead World

Investing, Secular Trends

The average investment portfolio is a museum of the present disguised as a bet on the future. Look closely at the holdings in your retirement account or your carefully diversified index fund, and you’ll find something uncomfortable: most of these companies exist to serve a world that is already disappearing. This isn’t about predicting the

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How to Build a Portfolio Immune to Noise (5 Steps to Escaping the Financial Herd Mentality)

Behavioral Finance, Contrarian Investing, Herd Mentality, Investing, Investments

The financial markets have a peculiar way of making intelligent people feel stupid and reckless people feel like geniuses. At least until the cycle reverses. This isn’t a bug in the system. It’s the feature that keeps most investors locked in a perpetual state of anxiety, refreshing their brokerage apps and second guessing every decision

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The ESG Trap: Is ‘Ethical Investing’ Just a Marketing Ploy for Pension Funds?

Financial Markets, Investing, Investments

Your retirement savings might be working harder at looking good than doing good. Pension funds have discovered something remarkable in recent years. They can charge higher fees, attract positive media coverage, and appease activist shareholders simply by slapping three letters onto their investment strategy: ESG. Environmental, Social, and Governance investing promises to align your money

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