During a bull market, most investors get excited about chasing risk. Despite sky-high valuations, there’s a tendency to double down on even riskier bets in the hopes of making outsized gains. That’s human nature. Nobody wants to miss the boat, and everyone thinks they can outsmart the market. In the process, boring assets like risk-free […] The post Treasury Bonds Can Appreciate In Value Too – Don’t Ignore Them appeared first on Financial Samurai.

Many readers ask us from time to time how to increase their equity exposure for long term financial goals. Their current portfolios are debt-heavy and largely ill-liquid. This is a serious problem many investors face, particularly those who started earning early in their 20s. In my case, I started earning and investing for retirement only… The post How do I increase equity exposure in my investment portfolio? appeared first on freefincal.

Save, invest, prosper with My Own Advisor. August 2025 Dividend Income Update Hi Everyone,  Welcome to our latest update: our August 2025 dividend income update. My, summer flew by, didn’t it??? 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 over 15 years now.… Join the million dollar portfolio journey. The article August 2025 Dividend Income Update […]

Are you interested in building generational wealth? If you’ve explored the idea, you’ve probably run across people discussing a custodial account vs. a brokerage account. Let’s compare these two different ways to invest for kids to see which can help you best set up your family for financial success. Why Should I Help My Kids Invest? Before we help you determine the best way to start investing, let’s talk about why investing for kids is […]

You’ve maxed your company 401(k) match. Now what? Where exactly should you direct your savings? Christine Benz has a short but useful Morningstar article called A Hierarchy for Retirement Savings. The structure reminds me a bit of the Personal Finance Flowchart from Reddit. The best part of the article is that they explain the exceptions, or at least reasons for de-prioritization, in a clear and concise manner. These exceptions may be uncommon, but they are […]

Robo-Advisor vs. Target Date Fund: A Comprehensive Guide Do you want a set-it-and-forget-it investment strategy? Are you seeking the greatest return for your risk level? If you’re saving for a future goal, such as retirement or paying for college a decade in the future, you want a sensible investment strategy that will deliver the funds, when you need them. Choosing the right investment strategy can feel like navigating a tumultuous sea. Two popular options for both newbies and experienced investors are robo-advisors and target-date funds. Both simplify investing, they have distinct similarities, differences, pros and cons. Despite managing the majority of my own investments, I use a robo-advisor for one of my retirement accounts. Understanding the nuances of robo-advisors vs target date funds, including personalization, diversification and fees, is crucial to making an informed decision that aligns with your financial goals and risk comfort level. This comprehensive guide delves into the intricacies of robo-advisors and target-date funds, highlighting key features, advantages, disadvantages, and ultimately helping you determine which path might be the better fit for your investment goals. One or our favorite investment platforms, M1 combines both target date fund options and expert portfolios with rebalancing (I have an account with M1): Understanding the Basics: Robo-Advisors Robo-advisors are digital platforms that provide automated investment management services. They utilize sophisticated algorithms and modern portfolio theory to build and manage investment portfolios based on your financial goals, risk tolerance, and time horizon. Within the robo-advisor category, there are many distinctions with some robo’s providing financial advisors and others offering advanced customization options. Fees range from zero on up to more than 0.70% of assets under management. [embed]https://youtube.com/watch?v=Cz97_Hunc0Y&si=PW4ErV-AIhi1paTN[/embed] How Robo-Advisors Work: Most robo-advisors have a similar set up. Onboarding and Profiling: You typically start by answering a questionnaire about your financial situation, investment goals (e.g., retirement, down payment, general wealth building), time horizon (how long you plan to invest), and risk tolerance (your comfort level with potential market fluctuations). Portfolio Construction: Based on your responses, the robo-advisor constructs a diversified portfolio, generally comprised of low-cost exchange-traded funds (ETFs) that invest in a mix of stocks and bonds. The specific asset allocation (the percentage of your portfolio allocated to different asset classes) is tailored to your risk profile. For instance, a younger investor with a long time horizon and higher risk tolerance might have a portfolio with a greater stock allocation, which historically offers higher growth potential but also carries greater price volatility. Conversely, an older investor nearing retirement might prefer a more conservative portfolio with a greater allocation to bonds, which tend to be less volatile. Automated Management: Once your portfolio is set up, the robo-advisor takes over the day-to-day management. This includes: Rebalancing: Over time, your initial asset allocation can drift due to the different performance of the underlying investments. Robo-advisors automatically rebalance your portfolio to bring it back in line with your target allocation, ensuring your risk profile remains consistent. For example, if stocks

Wahooo, my goal in 2025 was to reach $39,000 in annual dividend income. This was reached last month with a few months to spare in 2025. If you like to track your dividend income like I do, here’s a free dividend tracker spreadsheet download for … Read moreAugust 2025 Dividend Income Update The post August 2025 Dividend Income Update appeared first on Genymoney.ca.

A reader writes in, asking: “I’ve been a boglehead passive investor for several years now. I’ve fed myself a steady diet of writing by Benz, Bernstein, Roth, and Piper. My question though is whether boglehead-ism (if that’s a word) is really only a middle-wealth sort of thing. Does the same advice really apply to people at the more distant ends of the economic spectrum?” At the lower end of the economic spectrum, there are some […]