"Compounding is hard because a bad month can feel longer than a good decade."
Morgan Housel, financial author
“Diversification is a vital concept for investors. It is an acceptance that the future is inherently unknowable and can take many different directions. If done well it provides protection against both uncertainty and hubris.”
Joe Wiggins, financial author
“Comparative advantage’ theory argues that firms should focus on what they do best and delegate the rest.”
David Ricardo, British economist
“To understand fixed income, you need to understand what’s in the price.”
Erik Nel, CIO of Terebinth Capital