The Calm Index Investor

About this book

You want your savings to grow, but stock tips, market forecasts and fee-heavy products make investing feel like a game you are set up to lose. The Calm Index Investor shows a quieter, evidence-based path: own the whole market through low-cost index funds, keep costs and taxes low, and let time do the heavy lifting. In plain English and with worked numbers, you will learn how much a 1% fee really costs over 30 years, why most professional funds trail their index over the long run (with the actual SPIVA figures), how index funds and ETFs work, and how to compare them on expense ratio, tracking, currency and domicile. You will choose a stock and bond mix that fits your risk capacity, pick a one-, two- or three-fund portfolio, automate contributions, rebalance with simple rules, and use tax-advantaged accounts (2026 US limits verified against irs.gov, with pointers for the UK, Canada and Australia). Chapters on surviving crashes, resisting tempting distractions such as market timing and leveraged ETFs, and turning savings into retirement income complete the picture. It ends with a four-week first-portfolio plan, a fill-in investment policy statement and an annual checklist, plus printable worksheets in your library. Education, not advice: no hype, no stock picks, no guarantees.

1. 1Printable worksheets & templates (PDF)All appendices of the book as a print-ready PDF.589 KB Buyers only

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