Phaetrix – Independent Investing Insights & Market Analysis
Independent investing insights, portfolio risk management strategies, and long-term market analysis. Fresh content every Monday, Wednesday, and Friday.

Latest

30
Jan
Candlestick chart with text reading "Volatility Is Your Friend"

Why Volatility Is Your Friend (If You're Doing This One Thing)

Market drops aren't the enemy—they're when your fixed investments buy the most shares. How dollar-cost averaging turns volatility into an advantage.
3 min read
28
Jan
Split image of stressed person at a desk and a shattered suit figure with the text “I SOLD COSTCO. THE BUSINESS DIDN’T BREAK — I DID.”

I Sold Costco. The Business Didn’t Break — I Did.

I sold Costco not because the business broke, but because I did. The numbers still said hold — but a position that costs you sleep is already too expensive.
1 min read
26
Jan
Traffic light with red, yellow, and green signals overlaid on IRS Form 8949 with Bitcoin symbol

I Built the Framework. It Flashed Green. Then I Remembered Taxes.

Fidelity gave me the destination. MVRV gave me the position. Lyn Alden gave me the macro lens. Now I built the decision matrix. Green = accumulate. Yellow = hold. Red = get out. Here's every cell. Part 4 of 4.
5 min read
21
Jan
Neon graphic of Home Depot house icon with falling chart and burning cash.

Home Depot Isn’t Broken — The Housing Cycle Is

Home Depot is a best-in-class retailer stuck in a frozen housing market. At today’s price, you’re paying fair value for a cycle that hasn’t turned yet—and I’d rather wait than force the entry.
6 min read
19
Jan
Three overlapping circles in green, yellow, and red showing Bitcoin, Price, and Security indicators

Bitcoin Part 3: The Number That Predicts Bitcoin 83% of the Time

MVRV says mid-cycle. The Fed just ended quantitative tightening. One metric looks at Bitcoin's internal cycle, the other tracks global liquidity. Right now they agree. That's rare—and it won't last. Part 3 of 4.
4 min read
16
Jan
Graphic announcing “New Posts Now on phaetrix.substack.com” with the handle “@phaetrix” and a Substack logo.

Where to Find My New Posts

All new posts are now on Substack: phaetrix.substack.com (@phaetrix).
16
Jan
black background with white words "The Dividend Miarge"

The Dividend Mirage: Why Most High Yields Are Traps

Most high-yield stocks aren’t opportunities—they’re warnings. Here’s how to spot the traps, filter for real dividend durability, and build income that actually grows instead of blows up.
2 min read
16
Jan
Bold white text on a dark background reading “Five Mistakes That Kill DIY Portfolios.”

Five Mistakes That Kill DIY Portfolios

High yield isn't a gift—it's often a warning. Five mistakes that sabotage DIY portfolios and the simple math that prevents them.
3 min read
14
Jan
Dark graphic with “Intel: A Turnaround That Never Arrives,” construction and U-turn signs.

Intel: A Turnaround That Never Arrives

Intel has been “turning around” for half a decade. The promise keeps moving forward. The costs are real. The results aren’t.
8 min read
12
Jan
Digital display showing MVRV reading of 3.01

Bitcoin Part 2: The One Number That's Called Every Top and Bottom

Every Bitcoin transaction ever made is public. That means we can calculate what everyone actually paid—in real time. One metric has called every major top and bottom for 13 years. Here's how to read it.
3 min read
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