Five years ago, I started regularly using part of my salary to buy stocks. At the time, I had researched extensively online, reading a lot of content — probably over a thousand articles. It still took me some time to build up the confidence to actually invest. I spent a year learning before I finally opened an account and bought stocks. I initially invested in global market cap-weighted ETFs (VT + VGIT) with an 80/20 stock-bond allocation. I’m grateful I had a good start, but five years later,…

Recently, FIRE (Financial Independence and Retire Early) has become quite popular. People probably don’t like going to work. The source of income for not working is the 4% Rule, but this is actually a simplified result with dnagers.

In June of last year (2022), I took out a loan to buy stocks. For a while, the unrealized gains and losses were negative, but recently it has been a year and the stock market has performed well, so I would like to share my experience.

The year 2021 was a cryptocurrency boom, with a market cap of $2.9 trillion, which was pretty amazing. Now, with only about a trillion market cap left, it’s a good time to slow down and think about investing without fear of missing out.

When we talk about asset allocation, we refer to the distribution of funds across different types of assets, which have different risk and return. For example, stocks have high expected returns but also high risk, while government bonds are a low-risk asset with relatively low expected returns. In addition to stocks and bonds, commonly traded assets include gold, commodity futures, and real estate investment trusts (REITs). Here, we will analyze the advantages and disadvantages of various bond…