- Please reference “Our guiding principles and practice policies” topic for discussion regarding consumer debts, bad debts, and good debts.
- Debt and credit decisions must be guided by their impacts on the long term financial objectives of investors, independent of potential beneficial or detrimental effects on credit scores (e.g., FICO and VantageScore credit scoring models). Do not allow the credit score tail to wag the financial and investment dog.
- If you seek protection from others, use a credit card. If you seek protection from yourself, use a debit card.
What 200 years of data reveal about long-term investing: lessons for passive indexers
A comprehensive study published on October 27, 2025, by the Deutsche Bank Research Institute (“The Ultimate Guide to Long-Term Investing”) offers a robust analysis of
Bentley Makkar
November 6, 2025
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