Richard Golian

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

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#finance

Finance: Investing, Stock Markets, and Personal Finance

18 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 ·741 reads
Cyclical Opportunities in the Stock Market

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

29 January 2026·858 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 2025·1 560 reads
Why Investors Are Becoming Obsolete in the Age of AI

What was once valuable is losing its worth...

17 May 2025·2 228 reads
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 2025·3 061 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 2025·2 745 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 2025·3 591 reads
AI as a Threat to the Global Financial System — Why This Should Concern Everyone

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

21 February 2025·2 044 reads
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 2025·2 248 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 2025·2 218 reads
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 2025·1 818 reads
Stock Market Optimism and Media Manipulation — How Financial News Misleads Investors

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

3 January 2025·1 961 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 2024·2 118 reads
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 2024·2 694 reads
How to Start Investing in the World Stock Index ETF

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

21 July 2024·3 222 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 2024·2 661 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 2024·3 277 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.
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