Come funziona il nuovo Wallet Crypto di Trade Republic? Quali sono i punti forti ed i punti deboli? Conviene? Ricorda: Investire comporta rischi di perdite. Informati a dovere, valuta bene la tua propensione al rischio e non investire in strumenti che non comprendi.Nota: Investimi potrebbe guadagnare una commissione sulle vendite realizzate dai partner grazie ai link contenuti in questa pagina. In accordo con le nostre linee editoriali, le opinioni e le valutazioni non sono in […]

Africa is an exciting, developing crypto market, but unfortunately, the tools provided to the many countries on the continent so far have been underwhelming. Even the better and more well-known brands have forced users to wait for hours until someone  manually process your transaction, or have applied interfaces that assume you have a finance degree, […] The post An Honest Review Of Prestmit – The African Crypto Platform appeared first on Make Money Without A […]

The worst investments I’ve ever owned all share one thing in common—I couldn’t sell them. Whether we are talking fractional shares of expensive artwork or private investments in friends’ companies, I didn’t realize the paramount importance of liquidity until quite recently. And I’m saying this as the Just Keep Buying guy. Trust me, I don’t sell investments often. But, sometimes, I have to. Sometimes it’s for a rebalance. Sometimes it’s to generate a tax loss. Either way, I need to sell. But, what if I can’t sell them? What if there’s no secondary market for these assets? What’s the point of owning 9 square inches of a Basquiat if no one ever buys it? What’s the point of having private shares in a company if they keep doing down rounds? Illiquidity can be brutal. I didn’t understand this as a younger investor. I assumed that having more asset classes was always better. Have a little bit of everything because diversification, right? But now I’m paying the price for that decision. Owning un-diversified, illiquid assets is one of the worst things I’ve done as an investor. It’s worse than just losing money because when you lose money you know the end result. The uncertainty is gone. But owning illiquid assets, especially those that aren’t doing well, is investment purgatory. I have private company shares that are worth more to me as a tax loss than their current value on my balance sheet. Of course, I don’t want these companies to fail. But locking up my money for a decade and watching them fail anyways would be the worst of both worlds. Though I’d still get my tax loss, I’d only get it after it’s been devalued by inflation for a decade. This is why I now despise illiquidity in my portfolio. But not everyone agrees. Some see illiquidity as a feature, not a bug of a great investment. This seems to be the case when it comes to private equity and venture capital investments. As Silicon Valley Bank’s State of the Markets highlighted, top quartile funds typically don’t return capital for over 15 years: This illustrates just how long it can take for these kinds of investments to play out. And, unless you’ve accepted this going in, then you shouldn’t even bother. I didn’t realize this when I made all of my illiquid investments in 2021. Then again, if some of these investments had done well, today I’d probably be singing a very different tune. Unfortunately, they haven’t. But it’s not just me who’s struggling with illiquidity. Dan Rasmussen recently gave an interview where he discussed the liquidity issues he’s seeing across private equity: I think we’re in phase one where private equity can’t sell the assets that they have. So people are saying “Oh gosh, they can’t get distributions.” But they still think it’s worth exactly what the private equity firms are telling them. The only logical conclusion from Rasmussen’s analysis is that prices must fall. Unfortunately, private equity doesn’t have a

Save, invest, prosper with My Own Advisor. October 2025 Dividend Income Update Well hello…. Welcome to our latest update: our October 2025 dividend income update. A reminder for anyone new to the site, this is a standing monthly series related to our hybrid investing approach – an approach I’ve been using for about 16 years now. It will be about 17 years… Join the million dollar portfolio journey. The article October 2025 Dividend Income Update […]

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The maximum employee 401(k) contribution limit for 2026 is increasing by $1,000 to $24,500 according to the IRS. For workers over 50, the catch-up contribution rises to $8,000, bringing the total to $32,500. That’s a substantial amount of money to shelter in a tax-advantaged account each year. When I first started working in 1999, the employee 401(k) limit […] The post The 2026 401(k) Contribution Limits Feel Like Big Money Now appeared first on Financial Samurai.

Before the article, check out the latest on my podcast, Personal Finance for Long-Term Investors: On Apple Podcasts On Spotify On YouTube Now, here’s today’s article: Phil wrote in this week: Jesse – if we do think that the stock market is overvalued right now, doesn’t it make sense to sell some stocks and move that money to cash? Or is that “timing the market?” Can’t I just argue it’s smart “rebalancing?” It kind of feels like semantics!! I’m writing this as a 68-year old retiree (retired since 2017). Interested to hear your thoughts.  I’ve been thinking about this myself, Phil. Yes, valuations are undoubtedly high. But, as Aswath Damodaran might ask, does that mean stocks are overpriced? And most to the point: should long-term investors and retirees do anything about it? The “Boglehead” and “Malkiel” in me both know that market timing is a fool’s errand. As John Bogle told us, “Don’t do something; just stand there.” At the same time… Returns have been so good. The S&P 500 return since January 2023 (35 months) is 22.46% per year. These kinds returns do not and cannot continue forever.  Zooming out, since Phil retired in 2017, the S&P has returned 14.5% per year. Simply outstanding. Valuations are high, especially among the biggest stocks in the market.  If there was ever an excuse to time the market, surely this is what it would look like? Or at least, I’m sure that’s the argument Phil and many others are telling themselves. In fairness to the idea, let’s do this: I’ll share both smart and dumb reasons to shift money into cash right now. Let’s see where your thoughts end up. Why Move to Cash Right Now There are logical reasons to consider a move to cash right now. Risk Reduction and Rebalancing Discipline Selling some stocks will lock in your gains and protect you if the market does correct sharply. This is purely a risk reduction measure. If your 60/40 starting portfolio is now closer to 70/30, then I’m all in favor of selling stocks to get back to 60/40…or perhaps 60 / 30 + 10% in cash.  Asset-Liability Matching If your financial plan includes asset-liability matching or a “goals-based” investing framework, then recent stock market performance might have blessed you with “excess capital.” The asset-liability framework suggests using low-risk assets (cash, bonds) to cover your spending needs for the near term. Then you use high-risk assets (such as stocks) to cover your long-term spending needs. But then, you might have all your future liabilities covered, yet still have some money to be deployed. This is excess capital. It’s money you don’t need. Your financial plan will be successful with or without it. For that reason, you can do what you want with it. Find a great charity. Take a flyer on your nephew’s

🎙️Episode #459 – Think you’re too busy to invest in real estate? Learn why time-strapped professionals are perfect candidates for the CAKE Method: a simple… The post How Busy People Can Build Wealth With Simple Rentals (CAKE Method) appeared first on Coach Carson.