Learn
Evidence-based guides to the methods behind our tools: what works, how it fails, and what it means for your plan.
Guides
Written to stay true for years; sources are listed under each guide.
Guide · AI-assisted
Value investing and its traps
Cheap stocks have earned more than expensive ones over long periods, but not in every decade and not every cheap stock. How to tell value from a value trap.
3 min read
Guide · AI-assisted
Dividend growth vs high yield: which income lasts
Companies that raise their dividends have historically done better than the highest yielders. Why yield alone is a weak guide and what to check instead.
2 min read
Guide · AI-assisted
Why total return matters: the free-dividends fallacy
A dividend is not a bonus on top of your return: the share price falls by the amount paid. Judge investments by total return and plan income from the whole portfolio.
2 min read
Guide · AI-assisted
NAV erosion: when high-income funds pay you your own money
Closed-end funds, BDCs and option-income ETFs can pay 10 % a year or more while their net asset value shrinks. How to read distributions, NAV and return of capital.
2 min read
Guide · AI-assisted
Momentum: why winners keep winning, and how it crashes
Stocks that rose over the past year have tended to keep outperforming for some months. The evidence, the crashes, and how momentum fits next to value.
2 min read
Guide · AI-assisted
Safe withdrawal rates: how much can a portfolio pay you?
The 4 % rule comes from 30-year US retirements. Longer horizons, other countries and high valuations point lower; flexible spending allows more.
2 min read
Guide · AI-assisted
Pay off the mortgage or invest?
Prepaying a mortgage earns its interest rate with certainty. Compare that with safe returns over the same horizon, not with stock market averages.
2 min read
Guide · AI-assisted
PRIIPs and KIDs: why EU investors cannot buy some US funds
EU brokers must block retail purchases of packaged products without a Key Information Document. Which products are affected, what you can still do, and the alternatives.
2 min read
Research notes
Generated with AI from published research and our data, then checked automatically.
Put the methods to work
Every guide maps to a tool: screeners with these rules, dividend safety, goal planning.
Withdraw from contract here · EU consumers: 14 days to withdraw from a purchase.