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DCA vs Lump Sum: What 100 Years of Data Shows

Dollar cost averaging vs lump sum investing: 100 years of data shows lump sum wins 68% of the time. Here's when DCA is still the smarter choice.

8 min read

The Bond Tent Strategy: Protect Your Portfolio at Retirement

The bond tent strategy reduces sequence-of-returns risk by peaking bond allocation at retirement, then rising equities. Here's the exact math behind it.

11 min read

The Three-Fund Portfolio: Why Simple Beats Complex for FIRE

The three-fund portfolio beats 90% of actively managed funds over 20 years. Here's the exact allocation, math, and FIRE strategy behind it.

9 min read