https://theinvestmenthabit.com/ Long-horizon investing treated as a habit rather than a hobby — costs, funds, allocation and the behaviour that decides most outcomes. en © 2026 Longview Investing Journal Tue, 11 Aug 2026 09:00:00 GMT https://theinvestmenthabit.com/starting/the-decisions-that-only-need-making-once/ https://theinvestmenthabit.com/starting/the-decisions-that-only-need-making-once/ Most of investing is a handful of choices made at the start and then left alone. The rest is maintenance. Getting Started Joachim Brandt Tue, 11 Aug 2026 09:00:00 GMT https://theinvestmenthabit.com/starting/lump-sum-or-drip-feed-and-what-the-evidence-says/ https://theinvestmenthabit.com/starting/lump-sum-or-drip-feed-and-what-the-evidence-says/ Investing all at once has usually beaten spreading it out. Doing so is also harder, and that matters. Getting Started Ceyda Aksoy Sun, 09 Aug 2026 09:00:00 GMT https://theinvestmenthabit.com/funds/reading-a-fund-fact-sheet-without-being-sold-to/ https://theinvestmenthabit.com/funds/reading-a-fund-fact-sheet-without-being-sold-to/ A fact sheet is a regulated document and a marketing one at the same time. The useful parts are rarely the largest. Funds & Trackers Joachim Brandt Wed, 05 Aug 2026 09:00:00 GMT https://theinvestmenthabit.com/funds/diversification-is-not-the-number-of-funds-you-own/ https://theinvestmenthabit.com/funds/diversification-is-not-the-number-of-funds-you-own/ Three funds tracking the same market are one investment held three times, at three sets of charges. Funds & Trackers Joachim Brandt Fri, 31 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/costs/the-percentage-that-eats-a-third-of-your-outcome/ https://theinvestmenthabit.com/costs/the-percentage-that-eats-a-third-of-your-outcome/ Charges compound against you exactly as returns compound for you, and unlike returns they are certain. Costs Ndidi Eze Wed, 29 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/behaviour/selling-in-a-fall-is-the-most-expensive-thing-investors-do/ https://theinvestmenthabit.com/behaviour/selling-in-a-fall-is-the-most-expensive-thing-investors-do/ The gap between fund returns and investor returns is well documented, and it is almost entirely behavioural. Behaviour Alastair Nguyen Sat, 25 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/behaviour/chasing-last-years-best-fund-is-a-reliable-way-to-lag/ https://theinvestmenthabit.com/behaviour/chasing-last-years-best-fund-is-a-reliable-way-to-lag/ Performance tables are backward-looking, and buying the top of one has a poor record. Behaviour Alastair Nguyen Thu, 23 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/risk/time-horizon-does-more-work-than-risk-tolerance/ https://theinvestmenthabit.com/risk/time-horizon-does-more-work-than-risk-tolerance/ How you feel about volatility matters. When you need the money matters more. Risk & Allocation Alastair Nguyen Sun, 19 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/risk/what-a-bond-allocation-is-actually-for/ https://theinvestmenthabit.com/risk/what-a-bond-allocation-is-actually-for/ Bonds are held to change how a portfolio behaves in a bad year, not to maximise return. Risk & Allocation Bethan Rees Thu, 16 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/income/sequence-risk-is-the-retirement-problem-nobody-plans-for/ https://theinvestmenthabit.com/income/sequence-risk-is-the-retirement-problem-nobody-plans-for/ Two portfolios with identical average returns can produce very different outcomes depending on when the bad years arrive. Drawing an Income Alastair Nguyen Sun, 12 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/income/dividends-are-not-free-money/ https://theinvestmenthabit.com/income/dividends-are-not-free-money/ A dividend reduces the value of the holding by roughly the amount paid. Treating it as income separate from capital leads to bad decisions. Drawing an Income Alastair Nguyen Thu, 09 Jul 2026 09:00:00 GMT https://theinvestmenthabit.com/starting/the-annual-review-that-takes-twenty-minutes/ https://theinvestmenthabit.com/starting/the-annual-review-that-takes-twenty-minutes/ A long-term portfolio needs maintenance, not management. Here is the whole list. Getting Started Joachim Brandt Mon, 06 Jul 2026 09:00:00 GMT