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Almost half of full-time physicians in the US feel burned out at some point in their career, and almost a … Read more

For most of my adult life, I thought freedom meant depending on no one. That’s why I choose to quit my stressful job and travel the world in my 30s. Obsessively saving and investing was the key to finally not have to answer to anyone. I had no boss, no commute, and no home. I had zero obligations. Having grown up with little control over my life, this was a huge relief. I’d spent most […]

It appears to be the investor question or fear of the day. Are we in for a bout of high inflation? Is another round of the 1970’s style (energy shock inspired) stagflation a possibility? The U.S. government has signalled that the war with Iran may likely continue to the end of their term through 2029. Higher energy costs can leak into the broader economy. And of course, surging bond yields have grabbed the attention of […]

Hilton Honors American Express Aspire Card Review The Hilton Honors Aspire card is an expensive credit card. In the past I would have balked at the idea of a $550 USD credit card, but now I view it as a ‘timeshare’ fee that I create … Read moreHilton Honors American Express Aspire Card Review The post Hilton Honors American Express Aspire Card Review appeared first on Genymoney.ca.

A few months ago, I analyzed U.S. stock returns over the last century. Today, I’m going to determine the best portfolio over the last 50 years among the following asset classes: U.S. Stocks International Stocks Real Estate Investment Trusts (REITs) U.S. Corporate Bonds 10-Year Treasury Notes 3-month Treasury Bills Gold Commodities U.S. Homes To do this, I examined the BullionVault annual return data from 1972-2025 (54 years) to determine the optimal/best portfolio over this time period. But before we look at the optimal portfolio, let’s get a better understanding of how these various asset classes performed since 1972. How Have Assets Performed Since 1972? Since 1972, investors have experienced a wide range of outcomes including bull markets, bear markets, recessions, inflationary periods, and everything in between. As a result of this, asset class returns have varied widely as well. Below is a chart illustrating this for the nine asset classes listed above: There are a few important things to note about these returns: Asset with Most Winning Years = Gold Gold had 13 years (out of 54) where it was the asset class with the highest return. This means that Gold was on top roughly 1 in 4 years. Asset with Most Losing Years = Commodities/Gold Both Commodities and Gold were tied for the assets with the lowest return in a given year. Each had 11 years where they had the lowest return. Best Overall Return = S&P 500 $1 invested into the S&P 500 in 1972 would’ve become $35.90 (in real terms) by 2025. This blows every other asset class out of the water. For comparison, here is what $1 invested in 1972 would’ve become by the end of 2025 (in real terms) for the next three highest growth asset classes: Gold = $12.89 REITs = $12.26 International Stocks = $11.27 Worst Overall Return = Commodities Commodities had a negative real return from 1972-2025, as $1 invested in 1972 would’ve shrunk to $0.42 by 2025. More importantly, this negative return came with a high dose of volatility. The standard deviation on Commodities was 14% annually while still producing no long-term growth. As a result, this is an asset class I make sure to avoid. Most Volatile Asset = Gold Gold’s best year was +106% in 1979 and its worst year followed shortly thereafter with -37.6% in 1981. Across all 54 years, the standard deviation was 24.7%, the highest among our asset classes. If you own gold, be prepared for big wins and losses along the way. Least Volatile Asset = 3-month Treasury Bills Unsurprisingly, 3-month Treasury bills are the least volatile asset since they are basically the same as cash (or the risk-free rate). However, this lower volatility comes with a cost—lower long-term growth. $1 invested in 3-month T-Bills in 1972 would’ve only become $1.14 (in real terms) by 2025. This pales in comparison to the S&P 500’s overall growth

Atlanta is no stranger to major sporting events. We’ve hosted the Super Bowl, College Football Playoff National Championship, SEC Championship, Final Four, and plenty of other big games over the years. Then came the 2026 World Cup. Atlanta hosted eight World Cup matches at Mercedes-Benz Stadium, including a semifinal. More than 500,000 people attended the…

From prediction markets to meme stocks to punting on the next momentum trade, so much of the noise about achieving wealth is the opposite of what we’d call wise investing. At least for ordinary people like you and me. Actually, scratch that – the same goes for many of the professionals, too. Consider the popular perception of coked-up City boys staring at banks of flashing monitors while simultaneously screaming into two phones and placing bets […]