There’s a lot of lost-decade and 40%-drawdown talk being used lately as “proof” that dividend investing is the superior strategy. I’m not anti-dividend, but I disagree with this because I think the argument skips a step. It treats dividend investing as though it’s universally better, when really the question is about which stage of yourContinue reading “Dividends Have a Role — Just Not the Whole Argument”
Tag Archives: personal-finance
How to Harvest: A Tour of Retirement Withdrawal Strategies
Most financial conversations are about accumulation. Save more, invest smarter, compound longer. Almost nobody talks about the other half of the equation: how do you actually turn a pile of assets into a paycheck once you stop earning one? That’s the Wealth Harvest phase, and the strategy you pick matters as much as the portfolioContinue reading “How to Harvest: A Tour of Retirement Withdrawal Strategies”
My All-American Portfolio
I’ve previously laid out the case for and against holding international exposure. Both sides have real merit. But I didn’t tell you what I actually do with my own money. Here it is: I hold zero international stocks. My retirement accounts and my taxable brokerage are all VTI, all the time. No VXUS, no VEA,Continue reading “My All-American Portfolio”
The Psychology of a Losing Position
Every investor eventually holds a losing position. Whether it’s a stock that has dropped 10% or 40%, the experience is remarkably consistent: it feels different from a paper loss on an index fund you’ve held for a decade. Individual positions come with a story—a reason you bought, a price you paid, an expectation you formed.Continue reading “The Psychology of a Losing Position”
