Investing behavior

Time in the market vs timing the market, and the cost of panic selling.

1 article on investing behavior

Timing the Market vs Staying Invested: 40 Years of S&P 500 Evidence

Timing the market vs staying invested: miss the 10 best months since 1985 and ~$744K becomes ~$264K. Forty years of S&P 500 data on why time in the market wins.

June 22, 2026

Other topics

  • Retirement withdrawals — Safe withdrawal rates, the 4% rule, and flexible vs rigid spending policies.
  • Sequence of returns risk — Why the order of market returns can matter more than the average — especially near retirement.
  • Monte Carlo & projections — Why single-number projections mislead, and how probability-based planning works.
  • Investing costs — Fee drag, expense ratios, and the lifetime dollar cost of 1%.
  • Strategy comparison — Apples-to-apples benchmarks of allocation and spending rules on identical markets.
All articles