The Minimal Investor


Written by Adam on September 3, 2017. Updated April 24, 2019.
4 min read. Investing. 1 comment.

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A Minimal Investor is someone who…

  • Understands the why behind every investment they’re invested in.
  • Invests in the minimal number of funds needed for diversification.
  • Reduces financial advisor fees to their minimum.
  • Reduces expense ratio fees to their minimum.
  • Reduce time spent thinking about and organizing investments to a minimum.
  • Reduces taxes to their minimum.

The result of these simple guidelines is that you’ll only be invested in things you know what they are and why you’d want to invest in them. You’ll know you aren’t getting ripped off because you understand every investment. But most importantly, you’ll know enough about investing to confidently invest for the rest of your life in this minimal style.

Minimal Investor Course

The minimal investor course is a 10-week email course with one email each week. During these 10 weeks, we’ll start with the basics, and continue to build a great foundation for investing. The great thing is that being a Minimal Investor isn’t complicated, and takes minimum work.

Each week, you’ll have tasks to accomplish in order to follow along. You’ll learn how to open an investment account, how to choose funds for it, how to invest those funds and manage them. We’ll be using Vanguard for this and walking through the process step by step.

In these ten weeks, you’ll learn a lot – but only if you follow along and participate in the activities.

My Journey as a Minimal Investor

When I was 23 years old, my mom passed away. I inherited $100,000 and a financial advisor at the bank where the money was. I didn’t even know how to transfer money between banks, so I just kept it where it was and let the advisor make the decisions for me.

For years, I asked “why?” for everything he did and slowly learned the basics. I learned just how much he was charging me in fees, and it made me sick to my stomach (advisory fees can eat up as much as 30% of gains each year!). Eventually, I read a book that gave me an amazing investing foundation ( The Bogleheads’ Guide to Investing ) and started to invest small amounts on my own.

I continued investing small amounts as I earned money for 2 more years – developing an understanding of the various investment rules, fees, and terms. In the 12 years since then, I grew this $100,000 to over $1,000,000 in large part due to the simple strategies here. This isn’t a course about how to pick “hot” stocks, but how to get rich slowly by making calculated decisions with time on your side. This 10-week course boils down what took me 2 years to learn on my own into 10 weeks of hands-on activities.

Become a Minimal Investor

This email course is completely free. This is the course I wish I had when I started investing, and I hope to share it with others to give them a clearer path. I’m hoping to eventually turn this course into a book (that I would charge for) for now it’s completely free! I want to co-create this course with feedback from free readers though – so if you have questions that are unanswered or feedback on it, I want to hear it! If you have a question then chances are someone else has it too.

Do you want to learn how to be a Minimal Investor? Sign up to start the course today.

Still Not Sure?

If you’re still not sure on if you want to give your email over to a random site (note: I’m not random, I’m Adam), here’s a little more information on the course that could help you make up your mind.

  • Week 1: Getting Your Accounts in Order
  • Week 2: Understanding Diversification
  • Week 3: All About Fees
  • Week 4: Tax-EfficientFund Placement
  • Week 5: Making an Investment
  • Week 6: Tracking Your Investments
  • Week 7: Pay Yourself First Mindset
  • Week 8: Tax Implications
  • Week 9: Rebalancing Your Portfolio
  • Week 10: Create Your Own Rules For Investing

Each week, there are hands-on activities to follow along with. In the first week, which you can read online without signing up, involves making a list of all accounts you have in a Google Sheet. We’ll be building on this doc throughout the weeks.


About Adam

Hi, I'm Adam! I help millennials invest to reach financial independence sooner than they ever thought possible. Want to see what you could do to reach FI sooner? You're in the right place!

1 Comment

A great thoughts for beginners in investing, it helps a lot on how to invest and where to invest with. For those who want to start investing click the link for you to be guided.

Minafi - Financial independence through investing, minimalism & mindfulness.

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