Posts by Orvus Serv

This guide explains the 70/30 rule applied to ETFs in clear, practical terms. It covers why investors use the split, how to set one up step by step, and the tradeoffs compared with more conservative mixes. Use this article as a starting framework. It highlights key decision points like account choice, ETF selection, rebalancing, and […]

The 4% rule is a simple retirement planning idea: take 4% of your portfolio in the first year and then raise that dollar amount with inflation each year. It began as a historical test to see how fixed withdrawals behaved across past U.S. market sequences and became a widely cited baseline for retirement planners. This […]

If you are new to investing, ETFs offer a straightforward way to own a diversified set of securities without buying each holding individually. This guide is a plain-language primer from FinancePolice that helps you decide which account to use, what to watch when choosing funds, and how to place your first trades. Use this article […]

If you are wondering Can I create my own ETF, this guide walks through the practical steps for U.S.-listed funds. It explains the basic vehicle structure, who you must work with, and how product design affects regulatory and capital needs. FinancePolice aims to clarify what a launch realistically requires so you can assess feasibility before […]

This guide explains whether a 30 percent annual return is a reasonable expectation for index funds and provides a straightforward playbook to start investing in them. It is aimed at everyday readers who want practical, non-technical steps and realistic goals. FinancePolice focuses on clear, calm explanations to help you decide whether an index-based approach fits […]

This article explains what Warren Buffett has said about index funds and gives a clear, practical plan you can follow to begin investing in low-cost funds. You will find a short summary of Buffett's trustee instruction, the evidence that supports a fee-focused indexing approach, and step-by-step actions to take today. Use this as a starting […]

This article explains, in plain language, how to start an index fund position and what determines the money you need to begin. We focus on accessible, practical steps for beginners and low-balance investors. FinancePolice guides readers through the key differences between ETFs and mutual funds, how broker features like fractional shares affect your options, and […]

Investing $1,000 each month into an S&P 500 index fund is a clear and repeatable way to build stock market exposure over time. This article explains practical steps, trade-offs, and what to expect so you can decide if a monthly plan fits your cash flow and goals. We keep the language simple and focus on […]

Many beginners ask How do I teach myself the stock market? This guide gives a calm, stepwise approach that combines regulator primers, short videos, and hands-on practice. Use a compact stock market for beginners pdf checklist as a reference while you follow a 30-day plan that builds from basic concepts to safe, small live trades. […]

This article explains what the 4% rule is and why it matters for readers who invest primarily in the S&P 500. It traces the rule's origin, reviews more recent research, and gives practical steps you can use to test and adjust a withdrawal plan. FinancePolice presents this as education, not advice. Use the examples here […]

This article helps everyday beginners decide whether the S&P 500 is a suitable first investment and explains practical steps to get started. It focuses on plain-language explanations, comparisons between ETFs and index mutual funds, tax and account choices, and simple allocation frameworks. Use this guide to build a checklist, compare fund fees, and think through […]

This guide from FinancePolice explains how little money you actually need to begin investing in the S&P 500 and what practical steps to take. It focuses on the two main routes, ETFs and index mutual funds, and highlights the tradeoffs that affect your required starting capital. Use this article as a clear starting point: it […]