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    <description>Plain explanations of how markets, instruments and accounts work, written for readers starting out and for anyone filling a gap they never admitted to.</description>
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      <title>What Dollar-Cost Averaging Means and How It Works</title>
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      <description><![CDATA[Dollar-cost averaging invests a fixed amount on a fixed schedule, lowering average entry cost relative to average price. Here is how the mechanics, criticisms, and tax interactions work.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:54:44 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>How Portfolio Rebalancing Works, and Why It Interacts With Taxes</title>
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      <description><![CDATA[Rebalancing restores a portfolio's original target mix after markets move it off course. In a taxable account, the trades that do that can trigger capital gains, holding-period rules, and the wash sale rule.]]></description>
      <pubDate>Mon, 17 Aug 2026 08:44:03 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>What CAGR Means and When It Misleads</title>
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      <description><![CDATA[What CAGR means: the arithmetic of compound annual growth rates, volatility drag, documented misuse, and when an average return misleads.]]></description>
      <pubDate>Mon, 10 Aug 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>Total Return vs. Price Return: What the Gap Means</title>
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      <description><![CDATA[Total return vs. price return: what each includes, how reinvested dividends compound the gap, and the documented 2000-2009 S&P 500 example.]]></description>
      <pubDate>Sat, 18 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>Market vs. Limit vs. Stop Orders Explained</title>
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      <description><![CDATA[Market, limit, and stop orders explained: mechanics, fill guarantees, and documented pitfalls, including lessons from the 2010 flash crash report.]]></description>
      <pubDate>Thu, 25 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>How Risk Tolerance Questionnaires Actually Work</title>
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      <description><![CDATA[How risk tolerance questionnaires work: item design, scoring, tolerance versus capacity, and the documented psychometric limits behind the scores.]]></description>
      <pubDate>Wed, 03 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
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      <title>How Market-Cap and Equal-Weight Indexes Differ</title>
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      <description><![CDATA[Market-cap vs. equal-weight indexes: construction, concentration, rebalancing, and the documented return and risk gaps between the two methods.]]></description>
      <pubDate>Mon, 11 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>Loss Aversion and Recency Bias in Investing</title>
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      <description><![CDATA[Loss aversion and recency bias in investing: the documented evidence behind each bias, from prospect theory to the measured investor behavior gap.]]></description>
      <pubDate>Sat, 18 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>What Sequence-of-Returns Risk Means for Retirees</title>
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      <description><![CDATA[Sequence-of-returns risk explained: why return order, not just average, decides how long withdrawal portfolios last, with Bengen's 4% research.]]></description>
      <pubDate>Thu, 26 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
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      <title>How Expense Ratios Compound Over Time</title>
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      <description><![CDATA[How expense ratios compound over time, with illustrative fee arithmetic across 10-, 20-, and 30-year horizons and Morningstar's documented fee findings.]]></description>
      <pubDate>Wed, 04 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>What a Mutual Fund Prospectus Must Disclose</title>
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      <description><![CDATA[What a mutual fund prospectus contains: objectives, fee table, principal risks, performance, and the SAI, with the legal requirement behind each section.]]></description>
      <pubDate>Mon, 09 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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      <title>How to Read a Fund Fact Sheet Section by Section</title>
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      <description><![CDATA[A fund fact sheet explained section by section: performance periods, risk metrics, holdings, and fee lines, with what each field actually reports.]]></description>
      <pubDate>Sat, 17 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Peter Almeida</dc:creator>
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