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	<title>investments &#8211; Personal Financial Planning: Behaviour and Its Implication for Wealth Accumulation</title>
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	<description>A Different Spin on A Beaten to Death Topic</description>
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	<title>investments &#8211; Personal Financial Planning: Behaviour and Its Implication for Wealth Accumulation</title>
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	<item>
		<title>04-28-2026 6:39:01 am</title>
		<link>https://chazans.com/04-28-2026-63901-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Tue, 28 Apr 2026 10:39:01 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[budgeting]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<guid isPermaLink="false">https://chazans.com/04-28-2026-63901-am/</guid>

					<description><![CDATA[Stock markets continue to go sideways. I am waiting to complete a makeover of my portfolio to allow for less active management and reduce volatility. That usually means more fixed income. One point to be aware of is that the effect of having a portfolio that is more &#8220;balanced&#8221; is to reduce the potential returns. [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>04-26-2026 7:43:58 am</title>
		<link>https://chazans.com/04-26-2026-74358-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Sun, 26 Apr 2026 11:43:58 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[behavioural finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/04-26-2026-74358-am/</guid>

					<description><![CDATA[Markets continue to climb up as I monitor my own behaviour. I bought shares in a small solar technology company that is based in Japan. I happened to read about it in one of the online tip sheets that are so prevalent now. I reviewed the company&#8217;s financial statements, which are a complete mess. There&#8217;s [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>04-17-2026 5:53:24 pm</title>
		<link>https://chazans.com/04-17-2026-55324-pm/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Fri, 17 Apr 2026 21:53:24 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/04-17-2026-55324-pm/</guid>

					<description><![CDATA[I&#8217;ve been away for a week, preoccupied by other things. The last week has seen a lot of activity on the geopolitical front, with the tensions in the Middle East having eased for now. The Dow has taken a run up almost to the 50,000 level again. Amazing how volatile it actually is and how [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>04-10-2026 7:43:41 am</title>
		<link>https://chazans.com/04-10-2026-74341-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 11:43:41 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<guid isPermaLink="false">https://chazans.com/04-10-2026-74341-am/</guid>

					<description><![CDATA[I have been using AI frequently in trying to determine an investment strategy. Quite often, I get results that are contradictory and sometimes completely wrong. If you even start to dig a little, you find that much of the information that is generated is at best unreliable. Look carefully as to where the information is [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>04-09-2026 8:59:23 pm</title>
		<link>https://chazans.com/04-09-2026-85923-pm/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Fri, 10 Apr 2026 00:59:23 +0000</pubDate>
				<category><![CDATA[Commentary]]></category>
		<category><![CDATA[Stuff]]></category>
		<category><![CDATA[behavioural finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/04-09-2026-85923-pm/</guid>

					<description><![CDATA[Stock markets were stable to up today, trying to digest the news from the Middle East. It&#8217;s my opinion that we are facing many years of instability in the Middle East and elsewhere. The United States has failed to play to win again, even with Trump at the helm. I don&#8217;t care about the politics, [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>04-08-2026 7:34:50 am</title>
		<link>https://chazans.com/04-08-2026-73450-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Wed, 08 Apr 2026 11:34:50 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[behavioural finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/04-08-2026-73450-am/</guid>

					<description><![CDATA[Stock markets look to open very strongly today after the announcement of a ceasefire between the United States, Israel and Iran. It looks like it will be quite a positive day for the markets. In my opinion, nothing has been resolved with Iran, and it&#8217;s difficult to know where markets will go. In terms of [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>04-02-2026 9:35:25 am</title>
		<link>https://chazans.com/04-02-2026-93525-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Thu, 02 Apr 2026 13:35:25 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[behavioural finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/04-02-2026-93525-am/</guid>

					<description><![CDATA[The stock markets continue to reflect uncertainty over the Middle East. What I have noticed is the considerable decline in the share prices of many of the Magnificent 7. The market seems to have rotated out of the tech sector in a rather significant way. Share prices are down 20-25% from the most recent highs. [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>03-24-2026 8:57:28 am</title>
		<link>https://chazans.com/03-24-2026-85728-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Tue, 24 Mar 2026 12:57:28 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[behavioural finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/03-24-2026-85728-am/</guid>

					<description><![CDATA[Yesterday&#8217;s stock market bounce may very well be a &#8220;dead cat&#8221; bounce. In other words, just a pause in the action. The market today looks a little bit soft, but it was nice to see some return to a level of optimism. Perhaps this was misplaced, but that&#8217;s the way the market operates. The point [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>03-23-2026 7:56:28 am</title>
		<link>https://chazans.com/03-23-2026-75628-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Mon, 23 Mar 2026 11:56:28 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[behavioural finance]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[portfolio strategy]]></category>
		<guid isPermaLink="false">https://chazans.com/03-23-2026-75628-am/</guid>

					<description><![CDATA[Monday morning, waiting for markets to open. Today I decided that I won&#8217;t be looking at the goings on. It&#8217;s not productive and not useful, as I won&#8217;t sell into the pending chaotic days ahead. That doesn&#8217;t mean I won&#8217;t fret. However, I have noticed that although the markets are down from the highs, individual [&#8230;]]]></description>
		
		
		
			</item>
		<item>
		<title>03-22-2026 8:22:07 am</title>
		<link>https://chazans.com/03-22-2026-82207-am/</link>
		
		<dc:creator><![CDATA[Jake]]></dc:creator>
		<pubDate>Sun, 22 Mar 2026 12:22:07 +0000</pubDate>
				<category><![CDATA[Stuff]]></category>
		<category><![CDATA[Canadian stock market]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investing Canada]]></category>
		<category><![CDATA[investing philosophy]]></category>
		<category><![CDATA[investment strategy]]></category>
		<category><![CDATA[investments]]></category>
		<guid isPermaLink="false">https://chazans.com/03-22-2026-82207-am/</guid>

					<description><![CDATA[The Canadian stock market has had a pretty good two years after being &#8220;dead money.&#8221; It was a very poor investment for a couple of decades. But, in my opinion, this has been driven by the financial sector, a paper shuffle. And then there is the real estate sector. Another paper shuffle. But you need [&#8230;]]]></description>
		
		
		
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