20
Oct
Index funds vs. ETFs: what is the real difference?
Both track a market for a tiny fee, but how they trade, how they are taxed and how you buy them can differ in ways that…
III.Section
Both track a market for a tiny fee, but how they trade, how they are taxed and how you buy them can differ in ways that…
A $400 monthly deposit at a 6% annual return grows to roughly $185,000 in 20 years, and more than half of that is growth, not contributions.
With ten-year yields above 4%, bonds once again offer meaningful income, but duration risk has not gone away.
Once or twice a year is plenty, and a simple threshold rule can keep costs and taxes low.
Total return matters more than where it comes from, but your goals and tax situation can tilt the choice.
Three to six months of essential expenses is a common rule, but your job security and dependants may argue for more.