While negative returns are part and parcel of investing, it happens less often than you think. The past four years are actually very representative of how markets work in general — positive returns 75% of the time, and losses, 1 out of 4 times.

The biggest predictor of happiness is healthy relationships, but it’s a fact that you very much still need money in life to survive. Financial planning is necessary so you can focus on the things that make you happy and lead more fulfilling lives.

Banking crises have happened since the 1840s and the collapse of key players in the financial ecosystem often which lead to widespread panic and a scramble to preserve capital. The question on everyone’s minds is: ‘Is my money safe?’

The gains required to recover losses increases with deeper losses, and on average, it can take 5 years just to breakeven from a -40% loss. How can you structure your portfolio to reduce the probability of experiencing deep losses?

Rising interest rates have been framed as one of the factors for stock market volatility, drawdowns, and other negative outcomes, but what does the historical data show?

Making changes to your portfolio can go one of two ways, so the question is: How confident are you that you new allocation would reap benefits? Switch your investments only when there is a real need to.

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.

Unless your stock picking skills or luck is exceptional, then you would be better off not banking on the off-chance you manage to buy 2.39% of stocks in the market that accounted for all net global wealth creation.

The longer your investment horizon, the higher your chances of getting a positive investment return. But exactly how long are we talking about? Using one of our portfolios as an example, let’s take a look at some numbers.

An overwhelming number of recession forecasts do not necessarily mean a recession is certain, but if major recessions of the past has shown us anything, it’s that investments still can make decent and even better returns.

Across history, the large majority of professional investors were unable to beat the market. Passive investment allocations have blown up over the past 4 decades while professional managers fight to highlight the benefits of their own strategies. Which side of are you on?

Investment opportunities exist all around the globe, but the results of global stock returns seems almost random, and even purported positive news for countries do not always correlate to good investment performance.

Following the transition into the new year, many use this time to take stock of both their personal and financial life. As such, this is also when many review their investments and decide which ones to hold onto and which ones to cut.

Prices in the Market constantly change based on what’s happening at the current moment and what investors think could happen in the future. Don’t be bogged down by what happened last year and instead, look ahead.

From 2000-2009, the U.S. stock market went through a period famously known as the lost decade. Because after a 10-year investment period, you would experienced a loss of -9.1%. However, a globally diversified strategy over the same duration tells a different story.

2022 was one of the worst years for bond returns. Conservative investors with larger bond allocations in their portfolio would have suffered large paper losses in the face of the fastest interest rate hiking cycle in history. But these losses could mean additional future returns.

When it comes to investing knowing how much you’re going to receive at the end will definitely be a useful in planning for the future, but returns are always a range of possible future outcomes. How do we lower the variation in that range for a more concrete figure?

Most people save and invest for specific life goals like owning a bigger home, sending their children to elite institutions, and preparing for the day that you no longer have to go to work. So what happens if right at the time you needed the money, the market takes a turn for the worse?