Finelo Blog
Learn investing and trading, one article at a time. Practical guides, beginner-friendly explainers, and learning tips from the Finelo team.
Understanding the Disposition Effect and Its Impact on Investment Decisions
The disposition effect is the tendency of investors to sell winning investments too early while holding on to losing investments too long. Instead of letting the numbers decide, people lock in gains to feel good and…
Understanding Stock Screeners: A Comprehensive Guide
A stock screener is a tool that filters thousands of listed companies down to a short list that matches criteria you choose, such as market cap, price, valuation ratios, dividend yield, or sector. Instead of…
Understanding Sequence of Returns Risk and Its Impact on Retirement
Sequence of returns risk is the danger that the order of your investment returns, not just their average, damages your portfolio once you start withdrawing money. Two retirees can earn the same average return, yet the…
Understanding Margin Interest: What You Need to Know
Margin interest is the interest your broker charges when you borrow money against your investment account to buy securities. Like any loan, the borrowed balance accrues interest until you repay it, and that cost…
The Sortino Ratio: A Key Metric for Evaluating Investment Performance
The Sortino ratio measures how much return an investment earns for each unit of downside risk it takes. You calculate it by subtracting the risk-free rate from the portfolio's return, then dividing by the downside…
The Quick Ratio: A Key Indicator of Financial Health
The quick ratio measures whether a company can pay its short-term bills using only its most liquid assets. You calculate it by adding cash, cash equivalents, marketable securities, and accounts receivable, then…
The PEG Ratio: What It Is and How to Use It in Investing
The PEG ratio, short for price/earnings-to-growth ratio, tells you whether a stock's price looks reasonable once you account for how fast the company's earnings are expected to grow. To get it, take the P/E and divide…
The Calmar Ratio: A Key Metric for Evaluating Investment Performance
The Calmar ratio measures return against pain: it divides a fund's annualized return by its maximum drawdown over the same period, typically the trailing three years. A Calmar ratio of 2 means the strategy earned twice…
Systematic vs Unsystematic Risk: Understanding the Differences
The systematic vs unsystematic risk distinction splits every threat to your portfolio into two buckets. Systematic risk is market-wide: recessions, interest rate shifts, inflation, and geopolitical shocks that hit…
A "Super El Niño" Is Coming — and Wall Street Is Already Betting on Your Grocery Bill
Forecasters say El Niño is a near-certainty through 2026 — and more than half their models predict one of the strongest events ever recorded. Here's what it could do to coffee, sugar, wheat, and the price of your weekly shop.
Stock Borrow Fee: What It Costs to Short a Stock
Learn what a stock borrow fee is, how it is calculated and charged, what makes a stock hard to borrow, and how borrow costs change a short-selling plan.
Realized vs. Unrealized Gains: Understanding the Key Differences
The realized vs unrealized gains distinction is simple at its core. A realized gain is profit locked in by selling an asset for more than you paid. An unrealized gain is profit that exists only on paper while you still…
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