📈 Why Index Investing Exists: Understanding the Efficient Market Hypothesis (EMH)
One concept I've been learning about during my CFP® studies is the Efficient Market Hypothesis (EMH).
At first, it sounded incredibly academic.
But once I understood it, I realized it actually helps explain one of the biggest investing debates:
Should you try to beat the market, or simply own the market?
What is the Efficient Market Hypothesis?
The Efficient Market Hypothesis is the idea tha...
Bond Index Funds Are Not the Same Thing as Individual Bonds
One of the biggest "aha" moments I've had while studying for the CFP® exam is realizing that when most people say they own bonds, they often don't actually own individual bonds.
Most nurses investing through a 401(k), 403(b), target date fund, or three-fund portfolio are usually invested in a bond index fund, and those behave very differently than an individual bond.
Understanding this helped m...
🎓 What I’m Learning as a CFP® Candidate… and How It’s Changing the Way I See Investing
As I’m going through my CFP® education right now, something has been happening that I didn’t fully expect…
I’m not learning completely new ideas.
I’m getting deeper confirmation of what actually works.
And honestly, that’s been just as powerful.
Because it’s reinforcing something I’ve been teaching you inside NurseMoneyDate® all along…
👉🏽 Simple, consistent investing isn’t basic👉🏽 It’s academic...