Roth vs Traditional: Which Tax Treatment Wins
If your tax rate never changed, the two would be mathematically identical. It changes.
Index fund
The Backdoor Roth: How It Works and the Pro-Rata Trap
Two simple steps, one rule that can make the whole thing expensive.
Taxable Brokerage Accounts: Flexibility With a Tax Bill
The account with no rules is also the account with no shelter.
SEP IRA vs Solo 401(k) for the Self-Employed
A solo 401(k) usually allows larger contributions at moderate income, and does not block a backdoor Roth.
Asset Allocation: Deciding the Stock and Bond Split
The split between stocks and bonds explains most of your portfolio's behaviour. Fund selection explains much less.
Rebalancing: Keeping Your Allocation From Drifting
Rebalancing is the discipline of selling what has done well. It never feels right, which is why it works.
Dollar-Cost Averaging vs Investing a Lump Sum
Automatic monthly investing is dollar-cost averaging done for the right reason. Sitting on a windfall is usually done for the wrong one.
The Three-Fund Portfolio
Three funds cover almost everything a long-term investor needs. The rest is preference.
Tax-Loss Harvesting and the Wash Sale Rule
Useful in taxable accounts, irrelevant in retirement accounts, and easy to get wrong by 30 days.
Capital Gains Tax Basics for Investors
Holding for a year and a day changes which rate schedule applies. It is the cheapest tax planning there is.