Richard Golian

1995-born. Charles University alum. Head of Performance at Mixit. 10+ years in marketing and data.

#myjourney #myfamily #health #cognition #philosophy #digital #artificialintelligence #darkness #security #finance #politics #banskabystrica #carpathians

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#finance

Finance: Investing, Stock Markets, and Personal Finance — Richard Golian

Finance: Investing, Stock Markets, and Personal Finance

I started investing later than I probably should have. Today I try to write about finance the way I wish I had been able to read about it years ago — without motivational clichés and without misleading simplifications. Just concrete ideas, clear thinking, and an honest acknowledgment of my own mistakes. If you're interested in where to start and how to think about money in the long run, you're in the right place.

17 articles

#finance #data

Risk vs. Reward: The Principle Every Investor Needs to Understand

If I take a certain risk, how much can I gain — and how much can I lose?
1 March 2026 577
#finance

Cyclical Opportunities in the Stock Market

Interesting opportunities often appear where nothing seems to be happening.
29 January 2026 723
#myfamily #myjourney #finance

A Lot Has Changed: Where I Invest My Time, Energy, and Money Today

These two steps are, right now, shaping my life and the direction I am heading in.
15 August 2025 1 447
#finance #digital

Why Investors Are Becoming Obsolete in the Age of AI

We are heading toward a future where many things simply lose their value.
17 May 2025 2 086
#finance #digital #artificialintelligence

How AI Job Losses Could Trigger the Next Stock Market Crash

When someone loses their job, their sense of security collapses—so they sell their stocks.
20 April 2025 2 941
#finance

What I am Investing in Right Now — and the Question You Need to Ask First

I often get asked what I am doing with my finances this year.
13 April 2025 2 604
#finance

The Boycott of American Brands in Europe — What the Sales Data Actually Shows

Preliminary signals already suggested the impact might not be just symbolic.
22 March 2025 3 441
#finance #digital #darkness

AI as a Threat to the Global Financial System — Why This Should Concern Everyone

It is real, growing, and potentially devastating.
21 February 2025 1 913
#digital #finance

Technological Europe: We Need Awareness, Investment, and a Winning Mentality

The future can be European, but only if we give it a chance.
8 February 2025 2 122
#finance

What Is the CAPE Ratio — and Why It is Signalling a Dot-com Bubble Repeat

Right now, we are at levels reminiscent of the dot-com bubble at the turn of the millennium.
8 February 2025 2 089
#myjourney

Long-Term Thinking: How I Apply It to Work, Finances and Life

For as long as I can remember, I have always thought in the long term.
25 January 2025 1 713
#finance #darkness #manipulation

Stock Market Optimism and Media Manipulation — How Financial News Misleads Investors

Yesterday, I witnessed a glaring example of media misinformation while watching a Slovak TV channel.
3 January 2025 1 852
#finance

Stock Market Overvalued? Signs of a Bubble Most Investors Miss

Today, I see a level of hope in the market that puzzles me.
8 December 2024 1 984
#finance #data

The Stock Market's Changing Moods — Investor Psychology Drives Prices More Than Fundamentals

Embracing this perspective has made my investment journey a real intellectual adventure.
28 July 2024 2 579
#finance

How to Start Investing in the World Stock Index ETF

Knowing that the entire stock market of the developed world grows at more than 10% per year, investing becomes an absolute no-brainer.
21 July 2024 3 054
#finance

The Most Important Thing About Investing is to Start

If I could go back to 2016, I would tell my younger self one thing: start investing immediately.
14 July 2024 2 582
#finance

Investment Beginnings: The First €50,000 Was the Most Difficult

I often wonder if sharing my financial journey and investment strategies publicly is worthwhile.
6 July 2024 3 145
Investing does not have to be complicated, but it does require honest thinking. These articles cover the fundamentals — index ETFs, diversification, risk management — alongside the psychology that drives real investment decisions. Markets move in cycles of fear and greed, and most mistakes come from reacting emotionally rather than thinking clearly. Whether you are just starting out or rethinking your approach, the goal here is the same: practical clarity without the noise.

Common questions about this topic?

How do I start investing with little money?
Index ETFs are the simplest way to start. You can invest small amounts regularly through a broker. The key is to start early and stay consistent — time in the market matters more than timing the market.
What is an index ETF?
An index ETF is a fund that tracks a market index like the S&P 500. Instead of picking individual stocks, you buy a small piece of hundreds of companies at once. It offers diversification, low fees, and historically solid long-term returns.
Is investing in stocks risky?
All investing carries risk. But the biggest risk for most people is not investing at all and losing purchasing power to inflation. Understanding risk vs. reward, diversifying, and thinking long-term dramatically reduces the chance of permanent loss.
What are stock market cycles?
Markets move in cycles of optimism and pessimism. Understanding these emotional phases — from euphoria to panic — helps you make rational decisions when others act on fear or greed. The best opportunities often appear when sentiment is at its worst.