Articles
Research-backed insights on investing strategy, risk, and portfolio construction.
Sequence of Returns Risk: Why Average Returns Don't Tell the Whole Story
Two retirees. Same average return. One runs out of money in 17 years; the other triples their portfolio. Sequence of returns risk explains why timing matters as much as averages.
2026-03-31retirementriskstrategy
The 4% Rule: Safe Withdrawal Rates in Retirement
How William Bengen's 1994 research established the 4% rule, what the Trinity Study shows about portfolio survival rates, and why some researchers now recommend 3.3%.
2026-03-30retirementwithdrawalstrategy
Dollar-Cost Averaging vs. Lump Sum Investing: What the Data Shows
Vanguard research across three markets shows lump-sum investing wins 62–74% of the time. Here's why — and when DCA is still the right call.
2026-03-29strategybehavioraldata
Lifecycle Investing: Diversification Across Time
Why young investors should consider leverage, the math behind time-diversification, and 138 years of historical evidence.
2026-03-29strategyleverageretirement