The Alistair Blog
Stories about the broken world of traditional financial advice, deep dives into our microtools, and updates on what we're building to fix it.
Investing
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100% Equities: The Case For (and Against) Going All-InInvesting
If stocks always win over long periods, why own anything else? The math is seductive — but it ignores what actually happens to real investors during 50% drawdowns.
Dollar-Cost Averaging vs. Lump Sum: The Math Has a Clear WinnerInvesting
Every study says investing a windfall all at once beats spreading it out. So why does everyone still recommend dollar-cost averaging? The answer is psychology, not math.
Why Most People Should Own Exactly One FundInvesting
The financial industry thrives on complexity. You need this tilt, that factor, this alternative. But the data says you'd probably beat 90% of professionals with a single target-date fund.
The 60/40 Portfolio Is Dead. Long Live the 60/40 Portfolio.Investing
2022 was the worst year for the 60/40 portfolio in a century. Everyone declared it dead. But the obituary missed the point — the 60/40 was never about one year.