Investing Guides | Penny & Plan

Investing What Is Diversification in Investing? What diversification actually protects you from, the four axes that matter, and the overlap traps that make US, UK and Canadian portfolios look safer. 8 min read

Investing Active vs Passive Investing Explained What active and passive investing actually do with your money, the break-even return an active fund must beat, and how rules differ in the US, UK and Canada. 8 min read

Investing How to Invest in Your 20s and 30s What to prioritise in your 20s versus your 30s, the account order for the US, UK and Canada, and exactly what a ten year delay costs at the same monthly amount. 8 min read

Investing Stocks vs Bonds: What's the Difference? Stocks make you an owner, bonds make you a lender. What each pays, why bond prices fall when rates rise, and the tax wrappers used in the US, UK and Canada. 9 min read

Investing What Is a Robo-Advisor and Should You Use One? What a robo-advisor actually does for its fee, the three layers of cost it hides, and how the rules and tax perks really differ in the US, UK and Canada. 8 min read

Investing What Is an ETF and How Is It Different From a Fund? How an ETF actually differs from a mutual fund, what each one really costs a small regular investor, and the US, UK and Canada tax rules that decide which wins. 9 min read

Investing How to Start Investing With Little Money What five years of waiting actually costs, the fees that only punish small investors, and the US, UK and Canada accounts that pay you to start with almost nothing. 8 min read

Investing What Is Dollar-Cost Averaging? Dollar-cost averaging explained with a full worked example, where it beats a lump sum, where it quietly loses, and the US, UK and Canada rules that apply. 8 min read

Investing What Is an Index Fund and How Does It Work? How index funds actually work, what tracking an index really costs you over time, and the US, UK and Canada account and tax rules that decide what you keep. 8 min read