Work on this started 20231109

Small Thoughts on Investments

People often ask me about my approach to investing the money left over after expenses at the end of the year. This short page serves as a reference to avoid repeating the same explanation multiple times.

Cash, Bonds, and Stocks

The decision on the allocation of cash, bonds, and stocks is a personal one. We choose to keep enough cash to cover about a year of living expenses and invest the rest in stocks.


To buy equity in a public company, you need a broker. I use Interactive Brokers, the first online broker and a trusted institution. There are other options available. If you use the provided link, both of us will get a referral bonus.

What and How Do We Buy?

We primarily invest in two things: Berkshire Hathaway (BRKB) and an S&P 500 ETF. These represent diverse businesses selling products and services globally. I focus on investments where I am confident enough to allocate a significant portion of my net worth. Most of my risk-taking is with my time, not money.

We prefer to make monthly purchases to avoid attempting to time the market.