Richard Golian

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

Castellano Français Slovenčina

Manage subscription Choose a plan

RSS
Newsletter
New articles to your inbox

Search

#finance

Finance: Investing, Stock Markets, and Personal Finance

19 articles

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 ·1 184 reads
Cyclical Stocks and Book Value: A Contrarian Sector Approach

Interesting opportunities often appear where nothing seems to be happening...

29 January 2026·1 297 reads
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 2025·1 870 reads
Why Investors Are Becoming Obsolete in the Age of AI

What was once valuable is losing its worth...

17 May 2025·2 568 reads
Is AI a Bubble? Why the Next Stock Market Crash Could Start With AI Job Losses

When someone loses their job, their sense of security collapses, so they sell their stocks...

20 April 2025·3 448 reads
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 2025·3 088 reads
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 2025·3 917 reads
Could AI Trigger a Flash Crash? AI as a Threat to the Global Financial System

It is real, growing, and potentially devastating...

21 February 2025·2 366 reads
Digital Sovereignty: Europe Has the Tech Companies, but Not the Winning Mentality

The future can be European, but only if we give it a chance...

8 February 2025·2 552 reads
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...

8 February 2025·2 619 reads
Stock Market Optimism and Media Manipulation, How Financial News Misleads Investors

Yesterday, I witnessed a glaring example of media misinformation...

3 January 2025·2 252 reads
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 2024·2 458 reads
Stock Market Psychology and Behavioural Finance: Why Fear and Greed Drive Prices More Than Fundamentals

Embracing this perspective has made my investment journey a real intellectual adventure...

28 July 2024·2 951 reads
What Is an ETF? How to Start Investing in an Index Fund

I will describe how to start investing and what to watch out for...

21 July 2024·3 576 reads
The Most Important Thing About Investing is to Start

If I could go back to 2016, I would tell my younger self one thing...

14 July 2024·2 940 reads
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 2024·3 530 reads

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.
NEWSLETTER
What I write about, what I am working on, what I learned.
Sent the first Sunday of the month. Unsubscribe anytime.