Vanguard VBIL

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

Simple Investing Beats AI Trading

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Simple investing with VTI/VBIL beats AI trading and robo-advisors. Save $150K+ over 30 years. Learn why algorithms can't beat index funds.

AI trading apps promise to beat the market using sophisticated algorithms. Robo-advisors claim their smart technology justifies annual fees. The reality? Simple investing with two basic index funds beats both approaches by over $150,000 across 30 years. Simple investing means buying VTI and VBIL, holding them long-term, and rebalancing once yearly. No algorithms needed and … Read more