by Michael Harvey | Feb 21, 2026
The first year of investing matters far more than most people realize. Not because of returns. Returns in year one are largely noise. What matters is whether you establish a framework that you can sustain for decades. Investing success is not built on early...
by Michael Harvey | Feb 21, 2026
Most investors assume results come from information. They believe the person who reads more research, finds better companies, or identifies trends earlier will win. That assumption sounds reasonable. It is also mostly wrong. In practice, the difference between...
by Michael Harvey | Feb 21, 2026
New investors often treat this as a philosophical debate. Either you buy index funds and accept the market’s return, or you pick individual stocks and attempt to outperform it. That framing misses the point. This is not an ideological decision. It is a practical one....
by Michael Harvey | Feb 21, 2026
Most people begin investing backwards. They open an account first, buy something second, and only later attempt to understand what they are doing. The result is predictable: confusion during market volatility, emotional decisions, and a portfolio built without any...
by Michael Harvey | Feb 8, 2026
March 2020. The market crashed 34% in five weeks. While many investors panicked and sold at or near the bottom, savvy investors, and admittedly they are rare, were buying aggressively. Why? Because they understand something most people don’t: Market crashes...
