Index Funds 101: What to Invest In for FIRE
The safest, simplest way to invest for FIRE is through low-cost index funds. Here is what they are, why they work, and which ones to choose.
Read article →Build momentum9 articles in this path
Building Momentum
You understand the basics. Now learn how to invest: index funds, asset allocation, diversification, and tax efficiency. Then focus on account strategy and tradeoffs that move your FIRE date.
What matters now
Invest your savings wisely using low-cost index funds. Master your allocation, rebalance annually, and reduce taxes. Combine this with account strategy (401k, Roth) to improve the machine.
Diversification: Why Eggs in Many Baskets Beats One
How diversification reduces risk, why it matters more than perfect stock picking, and the simple way to diversify properly.
Read article →Asset Allocation 101: Stocks vs Bonds and Why the Mix Matters
How to split your portfolio between stocks and bonds to match your age, risk tolerance, and timeline.
Read article →Roth IRA vs 401(k) for Early Retirement: Which Account Wins?
The tax math behind choosing between Roth IRA, Traditional 401(k), and Roth 401(k) for FIRE — including the early withdrawal strategies most planners miss.
Read article →Rebalancing Your Portfolio: Why Once a Year Is Enough
How to keep your allocation on track without obsessing over it — a simple annual ritual that maintains your intended risk.
Read article →Tax-Loss Harvesting: Free Money From Your Taxable Account
How to deliberately realise losses to offset gains and reduce taxes — a simple strategy that saves thousands over a FIRE lifetime.
Read article →Coast FIRE vs Full FIRE: Which Path Fits You?
Two different paths to financial independence, and how to tell which one fits your current season of life.
Read article →Lean FIRE vs Fat FIRE: Choosing Your Retirement Lifestyle
The tradeoffs between retiring lean on a minimal budget versus retiring with full financial flexibility — and how to decide which target fits your life.
Read article →How FIRE Assumptions Change Your Retirement Date
Small changes in savings, spending, and withdrawal assumptions can move your timeline by years. Here is how to read them clearly.
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