How to choose a core allocation
Define goals and risk capacity, then map to a global stock/bond mix. Favor low-cost, diversified funds with sufficient liquidity.
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Latest insights
New to passive investing or refining an existing plan? Start with these recent explainers. They cover the essentials: picking a core allocation, deciding when to rebalance, and understanding when factor tilts may be appropriate. Each post includes a short checklist you can apply today.
Calendar vs. threshold rebalancing
Both methods work. Thresholds can reduce trades; calendars are simpler to schedule. Pick one, document it, and stay consistent.
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When to consider factor tilts
Small and value tilts can enhance risk-adjusted returns over long horizons. Keep costs low and exposures capped to avoid concentration.
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Income planning with bonds and dividends
Blend high-quality bonds with dividend ETFs. Match duration and credit to your spending timeline to smooth volatility.
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Why fees and turnover matter
Small differences compound. Favor low expense ratios and avoid unnecessary trading to capture more of market returns.
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Right-sizing risk for real life
Set risk to match your capacity and behavior. A plan you can stick with beats a theoretical optimum you abandon.
Read summaryGuides and templates
Use these structured outlines to move from reading to doing. Each guide offers a simple checklist you can adapt: define goals, set risk, pick funds, and document rebalancing rules. Save a copy, fill it out, and review annually. The aim is not perfection—it is repeatability and clarity that helps you stay the course through market noise.
Portfolio checklist
One-page template covering goals, allocation targets, factor tilts, and rebalancing cadence.
Use with ServicesRebalancing log
Document review dates, rules used, and any tax-lot notes. Consistency beats precision.
Learn frameworksIncome planner
Outline bond ladders and dividend sources. Match cash flows to spending windows.
Model income