I’m Richard, and this site is where I share the lessons I have learned from managing my own investment portfolio.
My journey started in 2007 when I was lucky enough to come across some useful advice about investing. I learned about the power of compound interest, the advantage index funds have, and the importance of diversification.
By the end of the year I had opened my first investment account, putting $700 into an S&P 500 index fund. And a few months later… I closed that account. The fund had high fees and I realized there were much better options.
Since then I have tried many of those options in search of the best way to manage my investments and learned a lot along the way. One of the most important things I learned is that investing doesn’t need to be complicated. Although some people do need a financial advisor, I have never worked with out and have done well.
There are a few ground rules that all investors need to understand. Once you have those the steps to actually manage your investments are something you can easily master if you’ve ever had a chequing account, a mortgage, and a credit card.
Investments do work a bit differently, and it can be hard to go from “this is the right way to invest” to actually opening those accounts and buying the right things. On this site and in my emails I will share the exact steps that I took, with plenty of details so you can follow along no matter what your skill level is.
The results have been very rewarding for me. Investing consistently in a reliable portfolio has given me the safety of knowing that I am prepared for all kinds of surprises and the freedom to do more of what I want without having to be tied down to a job that I hate just to pay the bills next month. And I know that those rewards will continue to multiply with time.
Best of all, anyone can get a piece of them. It doesn’t take years of studying and you don’t need to be a genius. All it takes is a few simple steps and the motivation to stick with it until you get the results you want.