Asset Location Strategy: Why ‘Bonds Go in Your 401(k)’ Isn’t Always Right
The 10-year Treasury yielded 4.69% on August 17, 2026 — near a 19-month high. That single number quietly invalidates a piece of portfolio advice that…
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How Often Should You Rebalance Your Portfolio? Calendar vs Threshold, Settled
A 60/40 portfolio built at the end of 1989 and never touched again would have held about 80 percent stocks by the end of 2021,…
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The Wash Sale Rule: How a $3,100 Tax Deduction Shrank to $403 (Case Study)
A $3,100 capital loss should be worth up to $720 off your federal tax bill. For the investor in today’s case study, it ended up…
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Three-Fund Portfolio for Beginners: The Six-Step Setup That Takes an Hour
Three index funds. One hour of setup. That’s the entire strategy — and over 15-year periods it has quietly beaten roughly 88% of professionally managed…
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SEP IRA vs Solo 401(k): Which Side Hustle Retirement Plan Wins in 2026?
A freelancer with $60,000 of net side-hustle profit can shelter $11,152 in a SEP IRA this year — or $35,652 in a solo 401(k). Same…
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Gambler’s Fallacy Investing Mistakes: Why the Market Is Never “Due”
A roulette ball lands on black six times in a row, and the table crowds with people betting red — because red is “due.” Swap…
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Index Fund vs Target Date Fund: The 60-Second Formula for Which to Choose
Target-date funds now hold $4.8 trillion, and the cheapest 10% of them charge 0.21% a year while the priciest 10% charge 1.20% — a spread…
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Disposition Effect Investing: The $1,785 Mistake Hiding in a Routine Withdrawal
An investor needs $9,800 out of a taxable brokerage account for a roof repair. Two positions could fund it: one up $7,500, one down $5,200….
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Mega Backdoor Roth, Step by Step: The $47,500 of Roth Space Most 401(k) Savers Never Use
In 2026 the IRS caps everything that can land in a single 401(k) account — your deferrals, your employer’s match, and any after-tax dollars —…
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The HSA Triple Tax Advantage, Explained: The Third Leg Most People Throw Away
Americans held nearly $174 billion in health savings accounts at the end of 2025, spread across 41.7 million accounts. Only about 4.2 million of those…
