Investment basics

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Asset classes Diversification Risk and return

Teaching risk before teaching returns would fix the order of most money courses An ETF and an index mutual fund hold the same things and trade in two different ways A share of stock is a claim on future earnings and not a lottery ticket with a ticker Dividends are not free income because the share price drops by the payout on the ex-date Buying the S&P 500 means owning five hundred companies and one currency Revenge trading after a loss is how one bad month turns into a bad year Reinvesting dividends separates a compounding portfolio from one that pays out pocket money Diversification means losing less rather than never losing A guaranteed return guarantees nothing about your capital Stock market simulation games teach enthusiasm and almost nothing about risk Averaging down into a stock that fell is not a discount when the thesis never held A fund's ten year return says more about its strategy than about its manager A bond fund is not the same as holding a bond until it matures Cash sitting in a brokerage account earns nothing until you move it into a money fund Losses hurt about twice as much as gains feel good and that is why people sell at the bottom

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