All InsightsWeekend ReadingStrategyWheelersBoW Premium Intake Closing Soon, IBKR Fixed vs Tiered, Portfolio Rebalancing & Flex-to-Fix Retirement StrategyNovember 6, 2026Raph & Francesca ShareBull markets are born on pessimism, grow on skepticism, mature on optimism, and die on euphoria.Sir John Templeton On this page ⭐ Featured📊 Portfolio Construction🎯 Active Investing📈 ETFs🏖️ Wealth Management🚲 Design Your Lifestyle💻 Tech & Economy💡 And Finally On this page ⭐ Featured📊 Portfolio Construction🎯 Active Investing📈 ETFs🏖️ Wealth Management🚲 Design Your Lifestyle💻 Tech & Economy💡 And Finally ⭐ FeaturedBanker on Wheels Resources BoW Premium Intake Closing in a few days: We answer your questions about pricing and timelines Banker on Wheels In the last three posts I showed you what Premium Research is: BackRoll, the Markets Hub and the Premium Guides. With just a few days left before the close of presale, I want to answer the questions I get most often: what does it cost, when does access begin, and what happens if you change your mind? Banker on Wheels is a family-run business, not a software company with a sales team. We’re a small team building apps, working with institutional-grade data providers and producing unique, high-quality research that we want to stand behind for years to come. That’s why we’ve structured Premium the way we have. We’ve built this website on the trust of our readers over almost seven years. We don’t take that lightly, and we’re grateful for your support. So here’s exactly how Premium is priced, why the prices will change, and what you can expect when you join. Show more Interactive Brokers Plans: Fixed vs Tiered: Which Is The Best For ETFs? (Updated With Latest Pricing Changes)Banker on WheelsInteractive Brokers: How To Identify Stock Exchanges In Europe?Banker on Wheels 10 Ways To Park Your Cash: What They Pay And What Can Go Wrong (Premium) Banker on Wheels Bank Deposits have their merits, but let’s face it, they provide you with a tiny fraction of the market yields.  So, where can you park your cash?But too much yield, and something might be off. One thing you learn fairly quickly when you start your career during the GFC 🤯 is that despite what you hear there is no such thing as no risk in finance. In 2008, the structured finance products I managed were mis-sold as having their risk reduced, when in fact it was just transformed. Some like ABCP were packaged in Money Market Funds. Even institutional investors fell for it. If the yield is too good to be true, particularly for a short-term goal, it almost certainly is. That said, a higher yield can be worth it if you understand the risks behind it. If those risks are aligned with your goals, even better. So, what are all your short-term investing options? Today, let’s look at the trade-offs. For each option let’s see what it pays today, who stands behind your money including in synthetic cash ETFs, and how it may behave in a crisis. Show more

Traditional retirement planning models and calculations rely heavily on the use of assumptions. Most individuals assume long-term post-tax returns of, say, 12% from equity and 7% from debt when saving for retirement. Inflation is typically assumed to be 6%. Such assumptions are known as steady-state assumptions. They generally do not change throughout the individual’s investment… The post Investing For Retirement Without the Use of Steady State Assumptions: The Case for Zero Real Returns appeared first […]

Three Monevator readers in a fortnight emailed to ask how I think the much-vaunted ‘AI revolution’ should cause us to rethink our financial planning. (Or to ask a chatbot to rethink it, I suppose.) My knee-jerk response: “Search me.“ It’s not that I doubt the borderline hysteria about AI we’ve seen in recent years will amount to anything. From the sheer wodge spent on it – it will approach $2 trillion by the end of […]

In 2026 I hit a milestone that seemed like a distant, foggy dream back in my corporate days: the ten-year anniversary of my retirement. If you want to go to the beginning and get the details on that blessed event, check out I Retired! There are some fond memories for me in that post! Anyway, my plan to celebrate this momentous occasion is to write several “10 Things” posts about retirement. So far, here are […]

In school, we took tests to prove we understood the material. Retirement matters more than most of those classes, yet the tools we’re given typically focus only on the financial aspects of retirement readiness. Today, I’m excited to share a newly developed “test” to determine if you’re ready for retirement, with a broad focus on 6 areas of retirement readiness.  Better yet, it’s free! I learned of this tool when Dennis Hoffman sent me a […]

A reader says, “I am 26 years old and recently started working. My monthly expenses are about Rs. 60,000. I aim to aggressively invest for retirement, aiming to achieve coast FIRE in 10 years and retire by 55. Coast FIRE then allow me to freelance, spend more and invest significantly less (I will continue to… The post Can I coast to FIRE in 10 years? appeared first on freefincal.

A single Instagram post asking whether the FIRE movement lost the plot sparked a conversation that is still going. In this episode, I sit down with who wrote it, Ashleigh Evans, a U.S. Navy veteran, Yale-trained nurse midwife, and real estate investor. Ashleigh explains why equating personal finance with scaling an eight-figure business leaves most people out. Her own path started on a Navy destroyer, where she vowed never to be trapped by a W-2 […]