WHERE you invest should semi-dictate WHAT you invest in. Example (directionally accurate, NOT 100%): You own $100K in a REIT (Real Estate Investment Trust). That REIT pays out dividend payments of 4% (aka $4,000). If you own the REIT in your retirement account (i.e. 401k, IRA), no tax implications. If you own that REIT in your brokerage account...you get taxed on that $4K. Say you are in the 24% federal tax bracket, you lose ~$1K to taxes...simply bc you didn't put enough emphasis on WHERE you choose to invest in a specific location. ($4,000 X 0.24 = $960). Asset location can be a HUGE deal. Good news is: it's VERY controllable. ACTION ITEM: Review your investments in EACH account. Any heavy-dividend paying stocks/REITS, or interest-paying investments...should be held in a RETIREMENT account...where you are saved from paying taxes. Make sure your investments in a brokerage account are tax-efficient. 😉 PS - IF you realize you have inefficiencies in your brokerage account, be wary of selling out of positions...bc that creates EVEN more taxable events. Questions on how to get out of positions? Comment on this post and let's get educated together!

Small stocks outperform big stocks (over a long period of time). Value stocks outperform growth stocks (over a long period of time). So with 'Small Value' stocks...you can likely expect an even higher return. It's the triple cheeseburger of stocks, without the heart attack. 😅 Take a look at the differences when investing in the S&P 500 (often referred to as "the market.") vs the Small Cap Value (SCV) asset class from the past ~100 years. Absolutely NO guarantee of what future returns look like, but for patient, LONG-TERM investors...this is an asset class I love to highlight. S&P 500 has done VERY well the last 15 years. Small Cap Value has not. It's not intuitive, but generally, things 'revert back the averages...aka the norms." Small Cap Value hasn't done well recently, but historically, it has. Sometimes you have to be VERY patient to be rewarded. Look at the time periods in the charts. Notice that SCV can be dormant for a long period of time (20 yrs), but we ALL have very long investing life spans. It's not JUST about investing from age 22-65...from 65 to 95 (or whenever we die), you still are invested. SCV should be at least a portion of nearly anyone's portfolio, particularly if they can stomach the long periods of drought.

A little teaser of my Investment Course coming out *hopefully* in December (100% free, no additional charge 😘). Follow along, we're gonna LEARN YOU UP with investing basics! https://www.loom.com/share/97d794fb7e1540c4bec0fdedef91a727 Give me the goods, bads and uglies on feedback. I want this course to NAIL the mark.

Should you invest in ONE account, or multiple accounts? Does compound interest lose it's benefits if you spread your money out? The answer? NO!! Let's look at an example: If you had a $1 in one bank account, and that dollar earned 4%, you would earn 4 cents total. Now if you had a quarter in 4 different bank accounts, and all those accounts earned 4%... Each quarter would have received a penny's worth of interest. 4 pennies...4 cents. Same as having one account. NOW...I'd suggest buttoning up those accounts. Generally speaking, you should try and only have one bank account (ideally a bank that allows you to have sub accounts so you can make separate goals and see the different buckets, i.e. Emergency Fund bucket, new home bucket, etc). And ANY business you own should have it's OWN bank account. Do NOT intermingle accounts or the accounting get's very very messy.

Fun (and factual) little investment scenario: If you came into a large sum of money...i.e. A $50K commission check... Would it be better to put it ALL in the stock market immediately? Or spread it out (Often referred to as Dollar-Cost-Averaging)? The answer: Put it ALL in the market immediately. At least, this is the answer about 2/3 of the time. Typically there is about 3.5 yrs between "bear markets." Meaning, more often than not, the stock market is rising, so if you got in early (i.e. invest immediately vs wait), you are more likely, more of the time...to have a larger sum of money by the end of year when investing that commission check immediately. Now go out there and get those commission checks. 😉