Personal Finance (4): Index Funds and ETFs — The Lazy Investor's Edge

Fri, 22 May 2026 09:00:00 +0000

I used to think investing meant picking stocks. You research companies, read annual reports, stare at candlestick charts, and somehow divine which ticker is going to double. Then I learned about index funds, and I felt genuinely annoyed that nobody told me sooner. Not annoyed at the concept — it’s beautifully simple — but annoyed at myself for spending mental cycles on stock-picking fantasies when the answer was hiding in plain sight.

Personal Finance (2): The Product Zoo — From Money Market Funds to Gold

Sun, 17 May 2026 09:00:00 +0000

The first time I opened a bank’s wealth management app — really looked at it, instead of just checking my balance — I felt like a tourist who wandered into an industrial kitchen. Every surface was covered with equipment I couldn’t name. “Fixed income enhanced.” “Structured deposit.” “FOF.” “Quantitative neutral strategy.” The labels on the buttons assumed I already knew what I was shopping for.

I didn’t. I was shopping for understanding.

ETF on Chen Kai Blog

Personal Finance (4): Index Funds and ETFs — The Lazy Investor's Edge

Personal Finance (2): The Product Zoo — From Money Market Funds to Gold