90/10 portfolio

Cost of Waiting: Why Timing the Market Loses Money in 2026

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The cost of waiting for a market dip is higher than you think. Learn why time in the market beats timing the market for your portfolio.

Everyone wants a deal. We wait for holiday sales to buy electronics and we hunt for coupons at the grocery store. It is natural to want to pay the lowest price possible. However, applying this “bargain hunter” mentality to the stock market is a mistake that leads to the massive cost of waiting. As we … Read more

Best Brokers for Simple Investing 2025

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Find the best brokers for your 90/10 portfolio. Zero fees, fractional shares, and simple investing. Fidelity leads our tested rankings.

Best Brokers: Most people make choosing a brokerage harder than it needs to be. You don’t need complex trading platforms, expensive advisors, or 50 different account types. For the 90/10 portfolio strategy we use here at Simple Finance Bytes (90% VTI, 10% VBIL), you just need a broker that offers zero commission trades, supports fractional … Read more