As you know already, I quit my job as a private banker in July to go full-time on my websites. I was good at my job, I liked it, but I somewhat always felt there was something bigger waiting for me. The main reason why I did this is because I wanted to reach as many people as possible and help them with personal finance (and especially investing!). Only two months after I quit, I already got a unique opportunity to reach over 10,000 people in one shot! I’ve received a few requests to publicly …
The Decision Grid for Pension Vs Lump Sum Payment
In today’s work market, chances are you will not retire at your first employer. As weird as it seems, it is now “cool”, or “well seen” if you prefer, to switch jobs once in a while. Apparently, “job hopping” is the new thing among millennials as they keep their job for 4.4 years on average. I guess I’m a good candidate for this study as I have had four different jobs in 14 years making my average 3.5 years per job. Since I recently quit my job, we can say that my average was more 4.67 years… …
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Which Factors influence your Investment Performance + the Only One that Really Makes the Difference
When you make the important decision of investing your hard earned money, it’s like you were getting ready for an important trip. You know your final destination, but you may ignore how you will get there. You will obviously hit a few speed bumps along the way and your pace and time to complete your trip may vary. Did you pick the right vehicle? Do you know what influence your investment performance? There are actually 6 factors influencing how much you will get from your investment and then …
5 Reasons to Sell TGT Before It’s Too Late
#1 TGT benefits from a stellar dividend growth history and classic business model in order to maintain the interest of investors. #2 Many investors see TGT as being the opportunity of the year and claim it is clearly oversold. #3 On my side, all I see is declining revenues, margins under pressure and no growth vectors. #4 TGT is a screaming sell, prove me otherwise! All the time I find too many articles telling me how Target (TGT) is a great company and that it is being oversold. …
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Can You Beat the Market? – Is It That Relevant?
Not too long ago, I was wondering on the internet, going from one blog to another until I get to this very interesting article telling me that I can’t beat the market… that nobody can: Why I can’t pick winning stocks, and you can’t either by Mr. Collins. While the article is dated 2011, the author makes some valid points. Academic studies across ages prove that you can’t beat the house. Still, I’m standing with my flag in the air claiming my righteous right to fail beat the market. If you are …
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Why is there an obsession over not touching your capital at retirement?
All right, I get it; the whole point of building a dividend growth portfolio is to live off your dividend payments. I totally get that. But is this realistic? Would it be the worst thing that could happen if you withdrew from your capital? In an ideal world, you would never have to touch your capital, but in the real world, this is less likely to happen unless you save 50% of your income during your highest earning years (which means you will not have as much fun as I plan to during the next 30 …
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