From 80f0de3b57a6ca4f964a6fa8c04dbb6617114de2 Mon Sep 17 00:00:00 2001 From: Felix Schulze Date: Sat, 6 Dec 2025 16:16:07 +0100 Subject: [PATCH] Adds global portfolio and home bias educational articles Introduces two in-depth learning articles: one guiding users on global, low-cost portfolio construction and tax-optimized account selection; another explaining home bias risks and practical diversification steps. Updates the learning hub to highlight both articles for improved user education on investment risk and allocation. --- src/app/learn/home-bias-in-investing/page.tsx | 341 ++++++++++++++ src/app/learn/page.tsx | 44 ++ .../learn/where-to-park-your-money/page.tsx | 429 ++++++++++++++++++ 3 files changed, 814 insertions(+) create mode 100644 src/app/learn/home-bias-in-investing/page.tsx create mode 100644 src/app/learn/where-to-park-your-money/page.tsx diff --git a/src/app/learn/home-bias-in-investing/page.tsx b/src/app/learn/home-bias-in-investing/page.tsx new file mode 100644 index 0000000..2678969 --- /dev/null +++ b/src/app/learn/home-bias-in-investing/page.tsx @@ -0,0 +1,341 @@ +import Link from 'next/link'; +import { Alert, AlertDescription, AlertTitle } from '@/components/ui/alert'; +import { Button } from '@/components/ui/button'; +import { Info } from 'lucide-react'; +import { AuthorBio } from '@/app/components/AuthorBio'; +import { FaqSection, type FaqItem } from '@/app/components/FaqSection'; + +const faqs: FaqItem[] = [ + { + question: 'How much of my portfolio should be domestic?', + answer: + 'A common approach is market-cap weighting globally (roughly 55–60% US, 40–45% international today). Some investors keep 10–30% home tilt for currency needs, but large overweights increase concentration risk.', + }, + { + question: 'Does currency hedging remove home bias?', + answer: + 'No. Hedging manages currency volatility but does not reduce country/sector concentration. Home bias is about overweighting domestic equities relative to their global weight.', + }, + { + question: 'Are there times when a home tilt makes sense?', + answer: + 'Yes. If you have future liabilities in local currency (housing, tuition) or you want to simplify taxes, a modest tilt can be justified. Keep it intentional and sized.', + }, + { + question: 'What about emerging markets?', + answer: + 'Global indexes already include emerging markets (EM). Adding a small EM tilt is optional; avoid excluding EM entirely to prevent regional concentration.', + }, + { + question: 'How do I reduce home bias in practice?', + answer: + 'Replace single-country funds with global or All-World ETFs. Set an allocation policy (e.g., 80% global cap-weight, 20% local tilt) and rebalance to it instead of reacting to headlines.', + }, +]; + +export const metadata = { + title: 'Home Bias in Investing: Why It Matters and How to Fix It', + description: + 'Home bias concentrates risk in one country. Learn why it happens, how it hurts returns, and simple steps to global diversification.', + openGraph: { + title: 'Home Bias in Investing: Why It Matters and How to Fix It', + description: 'Reduce country concentration, improve diversification, and stay tax aware.', + type: 'article', + url: 'https://investingfire.com/learn/home-bias-in-investing', + }, +}; + +export default function HomeBiasPage() { + const jsonLd = { + '@context': 'https://schema.org', + '@type': 'Article', + headline: 'Home Bias in Investing: Why It Matters and How to Fix It', + author: { + '@type': 'Organization', + name: 'InvestingFIRE Team', + }, + publisher: { + '@type': 'Organization', + name: 'InvestingFIRE', + logo: { + '@type': 'ImageObject', + url: 'https://investingfire.com/apple-icon.png', + }, + }, + datePublished: '2025-01-24', + description: + 'Understand home bias, its risks, and practical steps to diversify globally while respecting local tax rules.', + }; + + return ( +
+