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    <title>Newsjay — Investing</title>
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    <description>Contribution schedules, holding periods, account types and fee drag explained with worked figures, so a portfolio rests on arithmetic not instinct.</description>
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      <title>How the Wash-Sale Rule Actually Works, and What Counts as Substantially Identical</title>
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      <description><![CDATA[A mistimed repurchase can quietly erase a tax loss an investor was counting on. Here is how the IRS defines the window, and where the disallowed loss actually goes.]]></description>
      <pubDate>Sat, 15 Aug 2026 08:47:18 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>What Compounding Actually Looks Like in an Index Fund</title>
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      <description><![CDATA[The final decade of a 40-year index holding adds more than the first three combined — hypothetical $10,000 grows to ~$453,000 at the historical average.]]></description>
      <pubDate>Thu, 23 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>How Often Should You Check Your Portfolio</title>
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      <description><![CDATA[Daily checking makes losses loom larger and trades worse — behavioral research favors quarterly or annual reviews. The frequency ladder, explained.]]></description>
      <pubDate>Tue, 30 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>What Happens to Index Funds During a Recession</title>
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      <description><![CDATA[Index funds fell ~49% in 2008-09 and ~34% in 2020 and recovered both times. The mechanics of recessions, the record, and the prepared-in-advance playbook.]]></description>
      <pubDate>Sun, 07 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>How Dividend Reinvestment Compounds Over Decades</title>
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      <description><![CDATA[Dividends contributed about a third of the market's long-run total return — for those who reinvested. The mechanics, the math, and the tax angles.]]></description>
      <pubDate>Sat, 16 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Investing</category>
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      <title>How to Read a Fund Prospectus in Twenty Minutes</title>
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      <description><![CDATA[A fund prospectus follows a standard SEC map: fees, holdings, risks, performance. What each section tells you and the red flags worth catching.]]></description>
      <pubDate>Thu, 23 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>Roth IRA vs Traditional IRA: How to Choose</title>
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      <description><![CDATA[The 2026 IRA limit is $7,500 either way. The Roth vs traditional choice comes down to one comparison: your tax rate today versus retirement.]]></description>
      <pubDate>Tue, 31 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>Tax-Loss Harvesting Rules Every Investor Knows</title>
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      <description><![CDATA[Harvested losses offset gains plus $3,000 of income a year — but the 61-day wash sale window disqualifies mistakes. The rules, simply explained.]]></description>
      <pubDate>Sun, 08 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>Dollar-Cost Averaging vs Lump Sum: What the Evidence Says</title>
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      <description><![CDATA[Lump sum investing beat 12-month averaging about 68% of the time historically. What the Vanguard research says, and when averaging still wins.]]></description>
      <pubDate>Sat, 14 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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      <title>How to Start Investing With Little Money in 2026</title>
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      <description><![CDATA[No-minimum accounts, fractional shares, and 0.05% index funds make starting small practical. A step-by-step guide to the first year of investing.]]></description>
      <pubDate>Thu, 22 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Tomás Ferreira</dc:creator>
      <category>Investing</category>
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      <title>What a 1% Fund Fee Costs Over Thirty Years</title>
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      <description><![CDATA[A 1% fund fee can cost about $134,000 over 30 years on a hypothetical $100,000 portfolio. See the compounding math and where to find real fees.]]></description>
      <pubDate>Tue, 30 Dec 2025 12:00:00 GMT</pubDate>
      <dc:creator>Christopher Lee</dc:creator>
      <category>Investing</category>
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