HowMuch? Research

Understand money's past. Make clearer decisions about its future.

Investment scenarios, practical guides and comparative analysis built with real market data.

Portfolio Diversification: Different Risks, Not More Assets

Ten holdings can fall together. Build meaningful diversification by examining risk drivers, concentration, time horizon and a rebalancing rule.

August 3, 20268 min read

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Latest research

16 articles

Guide4 min read

Investment Horizon: How Long Can Recovery Take?

Maximum drawdown and recovery time matter as much as final return. Evaluate horizon and loss capacity in one framework.

July 27, 2026

Concept5 min read

How Currency Changes Investment Returns

Why an investment rising in USD can produce a different TRY result and how to separate asset return from FX return.

July 20, 2026

Concept6 min read

How Fees Quietly Reduce DCA Returns

How commissions, spread, fund expenses and tax accumulate across small recurring investments.

July 13, 2026

Comparison5 min read

1,000 TRY a Month: BIST 100, Gold or US Dollars?

How to compare three recurring saving choices using identical dates and cash flows while accounting for FX, inflation and costs.

July 6, 2026

Concept4 min read

S&P 500 Dividends: Price Index or Total Return?

Why two S&P 500 calculations differ, how reinvested dividends change long-term outcomes and which index should be used.

June 29, 2026

Comparison6 min read

Bitcoin vs. Gold: How to Compare Ten Years Fairly

Total return is not enough. Compare Bitcoin and gold over identical dates using drawdown, liquidity, custody and consistent price definitions.

June 22, 2026

Concept6 min read

Nominal vs. Real Return: What Is Left After Inflation?

A portfolio can grow while purchasing power falls. Learn the correct real-return formula and the most common inflation mistakes.

June 15, 2026

Historical Analysis14 min read

$500/Month Through the 2022 Market Crash: The Full Story

A reproducible comparison of investing $500 monthly in Bitcoin, the S&P 500 and Apple from March 2022 through January 2025.

March 8, 2025

What If6 min read

A Daily Coffee's Worth in S&P 500: 10-Year Results

$5 a day — the price of a latte. What if you'd invested that in the S&P 500 every day from 2015 to 2025? Total paid: $18,250. The result will surprise you.

March 5, 2025

Historical Analysis5 min read

What Did DCA Before Bitcoin Halving Actually Return?

We compare a 12-month DCA example before the April 2024 halving with earlier cycles and explain the measurement window and key limitations.

March 1, 2025

What If5 min read

$1,000 at the COVID Crash: 5 Assets Compared

March 23, 2020 was the market bottom. Was investing $1,000 that day madness or opportunity? Tesla, BTC, Apple, S&P 500, and Gold — real numbers.

February 24, 2025

What If6 min read

What If You'd Put $100 in Bitcoin in 2015?

We calculate what $100 of Bitcoin bought near $315 in January 2015 would be worth at a $85,000 reference price and show how to verify the live value.

February 10, 2025

Concept5 min read

Regular Investing in BIST 100: How to Read 10 Years of Data

How to compare BIST 100 consistently in TRY and USD while accounting for index scale, FX, inflation and dividends.

February 3, 2025

Concept6 min read

DCA vs. Lump Sum: What the Data Actually Says

How should cash already available be compared when invested immediately or phased in temporarily? We read Vanguard's evidence with its limits intact.

January 28, 2025

Concept7 min read

What Is Dollar Cost Averaging (DCA) and How Does It Work?

A practical guide to fixed-amount periodic investing, the unit-cost math, a worked example and the risks dollar-cost averaging cannot remove.

January 15, 2025

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