Retirement Investing — Honest Long-Term Strategy
Retirement investing is different from trading — different time horizons, different risks, different strategies. This hub covers the long-term portfolio approaches that have historically worked plus the common mistakes that derail otherwise good plans.
All pages in this section
- Retirement Investing Basics — Where to Start — Start with tax-advantaged accounts: 401(k) (especially if employer matches — that's free money), Roth IRA (tax-free growth), Traditional IRA...
- How Much to Save for Retirement — Realistic Numbers — Standard rule: save 10-15% of gross income for retirement throughout your career. The math behind it: assumes 7% real returns (historical S&...
- 401(k) vs Roth IRA — Complete Guide — 401(k): pre-tax contributions (tax break now), employer match free money, $23,000 limit (2026), required minimum distributions (RMDs) at 73....
- Index Fund Investing — The Boring Strategy That Works — Index funds passively track a market index (S&P 500, total market, international). Low fees (sub-0.1% for major index funds), broad diversif...
- Can I Day Trade AND Invest Long-Term? Yes, Separately — Yes, but treat them as separate strategies with separate accounts. Long-term portfolio: tax-advantaged accounts, index funds, monthly contri...