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Our goal is to provide concise, unbiased investment information to help people do the most with their money

We believe this can be achieved by informing people about (1) investment opportunities, (2) potential losses due to fees or active management and (3) the difference between investing and speculating.

We do not think years of education or lengthy books are required to achieve this.

Quick investment information

A concise, 5 minute introduction to investing.

Short table of investment categories with past and predicted future returns.

A simple discussion of assets and why they may lose, hold, or increase value in the future.

Recent tweets

June 4, 2022.
An old cartoon to consider when trying to interpret market volatility
Cartoon about interpreting investment news


May 27, 2022.
Howard Marks released an interesting new memo about market cycles: Bull Market Rhymes


May 21, 2022.
A few numbers to consider based on the S&P 500 index. Being out of the market for the 10 best days in the last 20 years would've dropped your annual return from 9% to 4.9%! Miss the 30 best days over those 20 years and your return would be 0.2%!


May 12, 2022.
The best and worst trading days are typically close together. Trying to time the market in this environment is typically detrimental—missing just a few good trading days can eliminate a year of positive returns. Checkout Vanguard's recently published perspective on this.


Mar 18, 2022.
@RobinhoodApp users beware. Our regular evaluation of brokerages found the largest trading costs on Robinhood. This ETF was trading at $45.27/share before and after our trade (Mar 15, morning) which executed at $48.20/share on RH; 6.5% above market! In the current weak investing envronment, this could be two years worth of returns lost.
Robinhood transaction that executed 6.5% above price


Mar 5, 2022.
Some notable economic impacts of the Ukraine problem, according to Vanguard: How events in the Ukraine change our economic views


Feb 19, 2022.
Not many comfortable-looking investments out there. The Series I savings bond might be a good option for many people. The initial interest rate is 7.12% right now.

Unlike the stock market, it'll never go negative!


Feb 5, 2022.
With high valuations and low interest rates (that may climb soon) it's hard to find promising investments today. There is one investment, however, that looks particularly promising: yourself! Access to information was never better. Improve your skills!

Recent articles

Pesky inflation (2022-06-18)

Investing Outlook: May 2022 (2022-05-06)

Why expected returns differ (2022-03-09)

Series I savings bonds (2022-02-21)

All articles

Important events for investors

5/6/2022: Market sinks as investors fear the Fed no longer has their back ... (more details)

4/30/2022: S&P 500 down 3.3% on the week, 13% on the year ... (more details)

4/22/2022: Weak earnings and rate hike clarity lead to a bad week on Wall St. ... (more details)

4/16/2022: Purchase Series I bonds by the end of April to lock in a year of over 8% interest ... (more details)

4/15/2022: Investors turn to defensive stocks as economic concerns grow ... (more details)

3/18/2022: US-listed Chinese stocks surge on Chinese pledge ... (more details)

3/11/2022: Equities worldwide fell this week, including a 3% S&P fall and 3.5% NASDAQ drop ... (more details)

2/26/2022: Berkshire annual shareholder letter released ... (more details)

2/11/2022: Stocks fall on fears of Ukraine conflict ... (more details)

1/22/2022: Bitcoin falls almost 50% from 2021 high, currently below 36k USD ... (more details)

1/21/2022: NASDAQ down 12% and S&P 500 down 8% this month ... (more details)

1/14/2022: Grocery shortages in the U.S. are on the rise ... (more details)

1/7/2022: S&P 500 drops 1.9% in the first week of 2022 ... (more details)

12/20/2021: 99% of employers are planning raises, but below headline inflation ... (more details)

12/17/2021: Fed discusses rate hikes upon ending bond-buying in March 2022 ... (more details)

12/10/2021: November US deficit 32% higher than 2020 ... (more details)

12/10/2021: Latest data shows surprisingly higher prices again, now 6.8% year over year CPI gain ... (more details)

12/4/2021: Bitcoin falls 20% ... (more details)

11/30/2021: Fed may be dropping "transitory" inflation claims and will consider earlier tapering ... (more details)

11/12/2021: Record 4.4 million US workers quit in September ... (more details)

11/10/2021: US CPI jumps 6.2% in one year (most since 1990) ... (more details)

11/6/2021: US congress passes 1T USD infrastructure bill ... (more details)

10/15/2021: Jobless claims fall below 300,000 for the first time since the pandemic began ... (more details)

9/30/2021: Oil nears 3-year high before Monday OPEC meeting ... (more details)

8/19/2021: JPMorgan and Wells Fargo register Bitcoin funds with the SEC ... (more details)

8/13/2021: Consumer sentiment reaches lowest level since 2011 ... (more details)

7/31/2021: With bipartisan support, 1T USD infrastructure bill likely to become law ... (more details)

7/14/2021: Fed will continue easy money for now, despite continuing inflation ... (more details)

6/16/2021: Fed increases inflation expectations and considers raising interest rates earlier than expected ... (more details)

6/11/2021: New antitrust bills take aim at big tech companies ... (more details)

6/11/2021: Chinese government gains further influence over tech companies ... (more details)

6/8/2021: Report reveals astonishingly low tax rates paid by billionaires, could help spawn new wealth taxes ... (more details)

5/28/2021: US government allows employers to require COVID vaccinations ... (more details)

5/28/2021: Costco CFO reports substantial inflation ... (more details)

5/27/2021: US oil futures hit highest price since 2018 ... (more details)

4/30/2021: Democrats consider extending stimulus for years, possibly indefinitely. ... (more details)

4/29/2021: Fidelity reports substantial increase in customer savings in 2020. ... (more details)

4/10/2021: Median home price in the US up 15.6% in the last year while inventory is down 52%. ... (more details)

4/1/2021: Americans increasingly switching to Roth IRAs in fear of tax hikes ... (more details)

4/1/2021: Biden unveils massive 2T USD infrastructure proposal ... (more details)

3/13/2021: Bitcoin tops 60k USD for the first time ... (more details)

3/6/2021: US Senate approves stimulus bill after long stalemate ... (more details)

2/26/2021: House passes new 1.9T USD COVID stimulus package, now the Senate has two weeks to modify and approve it ... (more details)

2/12/2021: Tesla purchased 1.5B USD of Bitcoin ... (more details)

1/30/2021: Reddit community delivers crippling short squeeze to prominent hedge funds ... (more details)

1/29/2021: Biden signing a flurry of executive orders ... (more details)

1/22/2021: China joins list of nations cracking down on tech giants ... (more details)

1/15/2021: Grayscale enjoyed 900% increase in assets in 2020, thanks to Bitcoin ... (more details)

1/8/2021: Stocks climb higher as Biden discusses trillions of dollars of additional stimulus ... (more details)

11/21/2020: Bitcoin price has doubled in the last 12 months, nearing all-time highs, as Wall Street investment firms have been showing interest ... (more details)

11/14/2020: The S&P 500 closed the week at a record high with surging COVID-19 cases but good news on the vaccine front ... (more details)

8/18/2020: S&P 500 reaches an all-time high, erasing COVID-19 induced losses ... (more details)

3/27/2020: US to pass 2.2T USD COVID-19 stimulus package incl. 500B for business, 100B for hospitals, ... (more details)

2/28/2020: The S&P 500 fell over 11% this week - the largest weekly drop since 2008