Physician Investor

How to be an Excellent DIY Investor

You Can Be an Excellent DIY Investor   Physicians can be excellent DIY investors. But remember, physicians are considered “dumb money”—we have marks on our back from the financial industry. Yet we understand evidence-based medicine, standards of care, statistics, complicated […]

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The 3-Fund Portfolio in Different Account Types

The 3-Fund Portfolio in Different Accouts

Three Accounts and the 3-Fund Portfolio   Simplicity is a 3-fund portfolio. US and International equity funds and a bond fund are baked together in a set asset allocation. There is a tad more to consider when you have different […]

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Fight, Flight, Freeze, Fawn, and the Stock Market

Fight, Flight, Freeze, Fawn

Investing and Acute Stress Response   When I went to med school, fight or flight were the two options for an acute stress response. Well, I guess humans have evolved since then (or at least our understanding of them has), […]

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10-Year Rule

10-Year Rule and Retirement Accounts

The 10-Year Rule Increases Taxes   What is the 10-year rule, and why is it important? After 2020, most non-spousal beneficiaries pay attention. The 10-year rule will cost you more in taxes passing on your pre-tax retirement accounts.   Do […]

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Step-by-Step Guide to Mega Backdoor Roth

Mega Backdoor Roth

A Step-by-Step Guide to the Mega Backdoor Roth The Mega Backdoor Roth is an excellent way for high-income earners to tuck away a ton of Roth money for retirement. There are a couple of things you need: High Income a […]

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Short-Term TIPS

TIPS and Duration: Should I buy Short-Term TIPS?

Should I buy short-term TIPS or just a regular TIPS fund?   TIPS, like other governmental bonds, have duration. Duration reflects the investment’s sensitivity to changes in interest rates. Should you buy short-term TIPS or, perhaps,  an intermediate-duration TIPS ETF? […]

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Best Bond Alternatives

Alternatives to Bonds

Bond Alternatives For Diversification Should you diversify your bond holdings? Bond alternatives are an interesting consideration, especially now that interest rates and inflation are back. Your bond funds are paying better, but inflation evaporates lazy money. If you have de-risked […]

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the Efficient Frontier

Positioning to “Time” the Stock Market

How to Time the Market with Positioning You can’t time the market! Many have tried, and many have failed. But there is an acceptable way for investors to time the market: what about positioning assets rather than predicting the future? […]

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