Free

A key financial priority for most people who wish to manage their money prudently and responsibly should be the accumulation of an emergency fund. If you have gone through unexpected life events that hit you financially, you know how unpleasant they can be and how stress they can put on you. Having a buffer to

The cheat sheet pages are intended to provide fundamental knowledge for absolute beginners or a refresher on the basics for those interested in going over the concepts covered in these bits. It does not constitute financial advice or a recommendation. If you have a request for a cheat sheet covering a specific concept you are

A great way to build wealth through investing is to open a brokerage account – and many people are doing just that. But in some cases, there are pitfalls and traps in the account set-up and the conditions, which can work against you if you decide to trade more often, to withdraw some of your

Financial planning is the intentional and purposeful pursuit of your life path – the things you wish to achieve, the places you want to go, the life you want to live, the freedom you want to have – by ensuring those things are prioritized and that you have the financial ability to execute them. There

The cheat sheet pages are intended to provide fundamental knowledge for absolute beginners or a refresher on the basics for those interested in going over the concepts covered in these bits. It does not constitute financial advice or a recommendation. If you have a request for a cheat sheet covering a specific concept you are

A logical starting point for a personal financial plan, a budget, or an investing plan, is determining one’s own financial objectives. This means asking oneself – what do I aim to achieve with a given financial decision, or what am I investing for? When people hire financial advisors, one of the key pieces of information

Exchange-traded funds were introduced in the early 1990s in Canada and the US, and in Europe in 2000. They have experienced impressive growth due to their attractive features, relatively low costs, transparent structure, and thanks to the fact that they offer a range of exposures. But since the ETF space has expanded so much, it

There are several well-known and widely used personal budgeting methods, all of which can be useful and have their advantages in certain situations, as well as flaws. I have personally tried and recommended the majority of them but have found that one of them is undeniably best suited to those who put achieving their financial

Platitudes rarely help, and yet, you can see them everywhere, even professional financial advisors say them. But what regular individual investors – especially beginners – need to know are real, practical principles for handling their investment portfolios. Fortunately, the most knowledgeable and successful people in the field have provided us with timeless advice that any

If you only consult social media accounts or influencer advice about personal finance topics, you will often notice that the predominant suggestion is “Ignore everything macro” or “Macro does not matter if you are a long-term investor”. This is, unfortunately, a fallacy. Global macroeconomic developments can have a quite significant impact on individual investors’ portfolios

When you are investing, you are exposing yourself to a variety of risks – some of which you can foresee, characterize and even try to estimate in advance. This gives you an advantage because you can prepare and find ways to protect yourself. But others will inevitably be unpredictable and maybe impossible to quantify in