Investing & Retirement Writer
CFA charterholder
Michael Park is a CFA charterholder who spent eight years in wealth management, most of it as a portfolio analyst building and monitoring retirement portfolios for everyday investors. He has seen what works over a full market cycle, and just as important, what quietly erodes returns when no one is paying attention.
Michael writes for the person who feels like investing is a club they were never invited to join. He is allergic to jargon and to the idea that you need a six-figure balance to get started. His own first investment was $50 a month into an index fund during his first year out of school, and he still calls that boring habit the smartest money move he ever made.
At FundingPoint he covers index funds, retirement accounts, and the slow, unglamorous strategies that actually build wealth. He would rather talk you out of a hot stock tip than into one, and he is happy to explain why a low-cost index fund usually beats the fund your cousin swears by.
The differences between the three most popular investment vehicles, explained without jargon. Which one is right for your first investment account.
Every tax-advantaged account available to you, how they work, their limits, and the optimal order for funding them to minimize your lifetime tax bill.
If you financed your car at the dealership, you are probably overpaying. How to refinance your auto loan and what to watch out for.
Medical debt is the leading cause of bankruptcy in America. Here are proven strategies to reduce your bills before they become unmanageable.
Closing costs add 2-6% on top of your home purchase price. Here is every fee you will see, which ones are negotiable, and how to reduce them.
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