Bucketed portfolios of money can help you settle short-term and long-term needs, but often can be a bit of a hassle. However, there is a way to gain those advantages in a fuss free manner by integrating them into a single portfolio.

Ronald Read died at age 92 with assets over US$8M. Having worked as a gas station attendant for over 20 years and later swept floors at a department store, many were shocked at his accumulated wealth. There is no other industry in the world besides investing where an inexperienced person is able to get a leg up on the best and brightest. Why is this so?

Usually important headlines and events are delivered straight to your phone’s notification centre — urging you to click on them to read more. But the media, no matter how learned and talented, is not always right, nor has it the ability to definitively predict the future.

Close calls, their consequential behavioural biases, periods of volatility, and some tips to attain some peace of mind.

There will never be a perfect time to invest. But the longer you wait, the more it will cost you.