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Author: Ty Druse On seedtoinvest.com, I’m often asked, “What is the best investment?” or “Why not just place all of your money in the S&P 500?” This article evaluates those questions through the lens of one broad-market ETF that qualifies as an all-purpose investment. I define “all-purpose” here as a single ETF that serves as…
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Author: Ty Druse Seed to Invest is here to assist you in developing an understanding of finances and investing. While we are not certified financial planners or certified public accountants, we can share insights based on what has worked for us. Here are some key considerations regarding an investment mix. Retirement Accounts (Roth IRA, 401(k)/403(b),…
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Author: Ty Druse In a recently published article, Akana, Drayton, and Lee utilized results of a January 2025 survey by the Federal Reserve Bank of Philadelphia (≈ 5,000 US adults) to research what is preventing Americans from investing. Respondents were asked if they owned stocks (42.8%) and additional follow-up questions were asked of the 57.2%…
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Author: Ty Druse Habits can be positive, negative, or some place in between. This article will focus on successful habits that generate wealth. In a previous article on compound interest, it was noted that investing $1,000 annually or $83.33 per month in a low-cost, broad-based ETF over 50 years resulted in approximately $1.5 million (S&P…
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Author: Ty Druse Compound interest may be the key to unlocking retirement, by providing an avenue for everyday working people to accumulate wealth through individual retirement accounts (such as 401Ks). But did you know there is a silent killer waiting to pounce on your compound interest growth? Let’s take a step back and review compound…
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Author: Ty Druse How much are you contributing per year towards retirement? Can you afford $83.33 per month ($1000 annually)? If so, you will likely be a millionaire in due time. The below chart assumes a 10.5% annual growth rate and investments equaling $500, $1,000, $2,500, or $5000 per year. Look at the number of…
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Author: Ty Druse Now that we have a better understanding of the historical context of [Bengen’s 4% rule] and how to determine withdrawal rates, let’s take a look at the below chart. The chart illustrates worst-case scenarios over the past 100 years of data, based on investing in the S&P 500 (Vanguard S&P 500 ETF-…
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Author: Ty Druse For those interested in retirement, one of the first financial rules often discovered is the 4% rule. The seminal article, written by William Bengen in 1994, applied historical investment data to determine a “maximum safe withdrawal rate” so retirees do not exhaust their retirement funds with withdrawals. Bengen created various financial charts…
