Passive Investing Guide
Featured Articles
How is VDHG tax-inefficient?
Update June 29, 2024 – Vanguard has addressed both of the issues outlined in this article in their notice to investors. My understanding is that: Updates to the Diversified Funds…
Cash vs bonds (or both) in your portfolio
The different characteristics of cash and bonds, including risk and return, diversification, de-risking, and how to use this information when constructing your portfolio.
Whipsaws and hopping out of the market when there’s bad news
In major market declines, couldn’t we temporarily switch to cash after a slight decline and then switch back when it’s lower? Maybe, but it comes with a price.
What should I do if I have $5,000 (or $20,000) to invest?
What to do with $5,000 to invest? Start with the investment order for new investors. Then determine whether to invest it based on when you will need it.
Dividend investing vs total return investing
Only after you understand the difference between dividend investing and total return investing can you focus on what is most important in creating a diversified portfolio.
Should I debt recycle or leave my money in the offset?
People often ask, ‘Should I debt recycle or leave my money in the offset?’, but taking money out of your offset to invest is actually two separate steps. Debt recycling is the second step – a mechanical step that does not require a decision – that comes after the first step, which is the real question you should be asking yourself.
Read on to understand what you should be asking instead and how to make that decision.