As you sit down and start working through long term savings calculators, what should you use as a long-term rate of return? Every percentage point makes a pretty big difference over a thirty to forty year time period. The short answer up front is you should use 8% if you have a portfolio primarily madeContinue reading “What Rate of Return Should You Plan On?”
Author Archives: Johnathan Fontenot
Keep Track Of Your Money
A boss of mine years ago explained to me that if you want to effect change in some way the most powerful way to do that is to track whatever it is. That is an incredibly powerful idea and I wholeheartedly believe in it. I attempt to use it in many aspects of my lifeContinue reading “Keep Track Of Your Money”
Always Pay Attention to Your Investments!
As a small investor you should always be focused on the long-term. You should work on developing your patience and discipline so that you are not panicking at every bit of bad news that comes out and therefore making emotional decisions that are probably going to hurt you more than help you. Rather, trust thatContinue reading “Always Pay Attention to Your Investments!”
You Must Understand The Rule of 72!
Every investor and borrow absolutely must know and understand the Rule of 72. The Rule of 72 is a simple math shortcut that can be used to quickly figure out the amount of time it will take for money to double at a fixed rate of interest. The way it works is easy. All youContinue reading “You Must Understand The Rule of 72!”
A Stoic Life Lesson
I’ve recently been reading and learning about Stoicism. I recently read Meditations by Marcus Aurelius and really enjoyed it. I’m sure that age and my military background heavily influence my thoughts on this, but I really find that I like the Stoic philosophy. I definitely resonates with me. One of the stoic life lessons thatContinue reading “A Stoic Life Lesson”
Great Book that Explains How Money Works!
I came across a book entitled How Money Works: Stop Being A Sucker by Tom Mathews and Steve Siebold. It was actually given to my family by my wife’s coworker. After reading it I definitely think that it is a great book for all young people and anyone else looking to add a little knowledgeContinue reading “Great Book that Explains How Money Works!”
The Table that Opened My Eyes to Investing!
When I was 22 and about to graduate from college I attended a seminar about where to place investment money. A table was shown early in the presentation that I can say literally changed my life. It has been the defining philosophy of my approach to money. The table was made up of five columns. The first column wasContinue reading “The Table that Opened My Eyes to Investing!”
44% of People Can’t Cover an Unexpected $1000 Expense!
According to Bankrate’s 2024 annual emergency savings report only 44% of U.S. adults would be able to pay an emergency expense of $1000 or more from their savings. That is not fantastic and shows that a high percentage of people are simply living paycheck to paycheck. This number hasn’t really moved in several years. HowContinue reading “44% of People Can’t Cover an Unexpected $1000 Expense!”
Understand Demographics as an Investor
While I absolutely love reading fiction as a primary source of entertainment, I recently have started reading Peter Zeihan’s books. He is a political scientist and demographer and has made and continues to make very bold predictions about the global future. I’m a bit obsessed with everything he has to say as he has been proven correctContinue reading “Understand Demographics as an Investor”
Low Fee Index Funds will Beat Hedge Funds Over the Long-term!
During an interview on Bloomberg radio this morning, the person being interviewed (whose name I didn’t get) made a statement that I have written about before in a previous post. He very clearly said that if a person is patient and willing to wait 10-15 years then the Vanguard S&P Index Fund ETF (VOO) andContinue reading “Low Fee Index Funds will Beat Hedge Funds Over the Long-term!”
Patient and Disciplined Saving 