Every year, several papers project lower expected future returns. They are frequently wrong, but what can you do about it?
1 min read
Posts by
Antony Holmes
Polite Investor, CEO, CTO, employee #1, whatever
Hello, I am the The Polite Investor, a polite Englishman that has been living in the US for 10 years.
Although I have always been interested in personal finance and investing, once my employer enrolled me in their retirement plan, I thought it was time to get serious and figure out how the American financial system works to make sound investment choices.
I started this site to document my financial journey and offer my opinions to help others. Perhaps you might learn something from my experiences and together we can all try to lead better financial lives.
I believe the key to building wealth is disiplined saving and investing coupled with a somewhat minimalist lifestyle. You don't need stuff and you should have a healthy skepticism towards activities your peers engage in: mortgages, expensive cars, expensive vacations. You'll find a little bit of my personal philosophy peppered throughout the site.
I made this site to intersect and satisfy my interests in finance and investing and programming and web development.
I hope you feel welcome here. Take what you find useful and leave the rest. Pass on what you’ve learned to your friends. May you find the financial success you deserve.
Want to say hello? Email me.
There have been 14 bear markets between 1947 and 2022. They happen quite frequently so how can you prepare for the next one?
1 min read
Knowing how to behave when we are faced with uncertainly can help stop us making expensive mistakes.
2 min read
As a recent immigrant and not yet independently wealthy, I've always practicing being somewhat frugal. I consider the cost of EVERYTHING.
Here are what I consider three of the most egregious mistakes you can make with your finances. Buyer beware.
Total stock market index funds are some of the best options for every investor to diversify their portfolio.
Freezing your credit is a simple process and stops unauthorized credit pulls and accounts being opened in your name. I'll show you how.
Use a credit card responsibly and essentially you'll get paid to shop.