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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 articles

Are S&P 500 P/E ratios useful? (2025-2-23)

Are annual return predictions useful? (2025-2-1)

Our 2025 investment portfolio (2025-1-2)

2025 Investment Outlook (2025-1-2)

All articles

News & Thoughts

March 10, 2025
2025 is proving tough on the S&P 500 (-4% YTD), NASDAQ 100 (-7% YTD), and Bitcoin (-15%). Markets outside the US are a bright spot, with VXUS up over 6% YTD.


March 4, 2025
Tariffs cause stocks to slide.


February 24, 2025
New letter from Berkshire Hathaway's Warren Buffett released. Excellent source of Buffett wisdom.


February 18, 2025
Gold price forecasts shifting under tariff uncertainties.


February 3, 2025
Tariffs on Canada and Mexico delayed.


January 26, 2025
A discussion on how deregulation will boost banks.


January 10, 2025
Fed threatening zero rate cuts in 2025.


December 20, 2024
Stocks and crypto down on the week after Fed forecasts fewer rate cuts in 2025.


December 12, 2024
According to the Fed, just $1M savings puts you in the top 3.2% of retirees.


December 6, 2024
News about potential Trump tax cuts that will influence stocks prices next year.


November 27, 2024
Checkout some actions that could reduce your 2024 taxes.


November 21, 2024
Gensler down, Bitcoin up.


November 13, 2024
Bitcoin passes $90k, is $100k possible?


November 9, 2024
Trump win boosts Bitcoin, but how much will Trump really do for crypto?


October 22, 2024
Goldman pessimistic on S&P 500 returns over the next decade, but not about the average S&P 500 stock.


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