How Much Should You Put Down On A House? The $400,000 Question
A friend sold his house with $400,000 in gains and asked whether to sink it all into the next one. The honest math on down payment size, in four charts.
The Compound Effect
The Compound Effect Newsletter
The Compound Effect is Compound Advisory's editorial newsletter on retirement income, taxes, markets, health, behavior, and wealth decisions. Complimentary. No sales emails.
Every edition is written by the advisory team and focused on one decision a high-net-worth household is making this quarter. We do not sell products. We do not run sponsored placements. We do not pad the issue with affiliate links. If you want a quiet, well-researched note in your inbox a few times a month, this is it.
Editions land roughly twice a month. Topics rotate through the planning calendar — Roth conversion windows in early fall, year-end tax planning in November, IRA contribution and HSA decisions in spring, market and portfolio behavior whenever the cycle calls for it. The cadence is irregular by design. We send when we have something to say, not when the calendar says to send.
Who It Is For
- Retirees and pre-retirees managing $1M+ portfolios
- High-net-worth families coordinating taxes, investing, and estate work
- Business owners preparing for or living after a liquidity event
- People who want plain-English fiduciary planning notes, not investment commentary
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The Problem With Packaged Food Marketing And Why I Shop The Perimeter
A retirement plan does not work if your health does not last. Here is why the 'healthy' packaged food aisle is mostly marketing, and why the outside edges of the grocery store are still the cleanest way to eat.
Why Staying Invested Beats Timing The Market Every Single Cycle
The hardest part of investing is not picking the right fund. It is staying in your seat when the headlines tell you to run. Here is what 40 years of data say about the cost of stepping out.