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      <title>A high backtest Sharpe ratio proves little: what real validation requires</title>
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      <description><![CDATA[Reported Sharpe ratios inflate with every unreported trial. The Deflated Sharpe Ratio and SR 11-7 set out what valid backtest evidence actually requires.]]></description>
      <pubDate>Fri, 28 Aug 2026 08:58:09 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>How many signals were tested before this one worked?</title>
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      <description><![CDATA[Multiple testing turns luck into apparent skill. What the correction procedures control, the hurdles the replication literature settled on, and what a corrected t-statistic still cannot tell you.]]></description>
      <pubDate>Fri, 21 Aug 2026 08:52:06 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>What a fund&apos;s turnover ratio tells you, and what it doesn&apos;t</title>
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      <description><![CDATA[What a fund turnover ratio tells you — pace, costs, tax distributions — and what it doesn't: skill, risk, or trading quality.]]></description>
      <pubDate>Mon, 27 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>What should robo-advisor rebalancing claims come with?</title>
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      <description><![CDATA[What robo-advisor rebalancing claims should come with: disclosed rules, behavioral versus performance evidence, harvesting conditions, and all-in costs.]]></description>
      <pubDate>Sun, 05 Jul 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>What is sequence-of-returns risk, measured properly?</title>
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      <description><![CDATA[Sequence-of-returns risk measured: permutation studies, the 4 percent rule's samples, and the mechanisms that actually reduce exposure.]]></description>
      <pubDate>Fri, 12 Jun 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>Dividend yield or total return: which number answers your question?</title>
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      <description><![CDATA[Dividend yield versus total return: formulas, what each hides, the 3-4 point reinvestment gap, and why high yield is not safety.]]></description>
      <pubDate>Wed, 20 May 2026 12:00:00 GMT</pubDate>
      <dc:creator>Sofia Lindqvist</dc:creator>
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      <title>How much international diversification do you actually get?</title>
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      <description><![CDATA[How much international diversification you actually get: correlation ranges, market-cap coverage, return dispersion, and where the claims mislead.]]></description>
      <pubDate>Mon, 27 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Sofia Lindqvist</dc:creator>
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      <title>Band-based or calendar rebalancing: what the comparisons show</title>
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      <description><![CDATA[Band-based versus calendar rebalancing: what Daryanani and later simulations show about drift control, trading frequency, and the path-dependent premium.]]></description>
      <pubDate>Sun, 05 Apr 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>Why doesn&apos;t your index fund match its index?</title>
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      <description><![CDATA[Why index funds don't match their index: fees, reconstitution costs, sampling, dividend timing, lending income — tracking difference explained.]]></description>
      <pubDate>Fri, 13 Mar 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>How does the wash-sale rule actually work?</title>
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      <description><![CDATA[Wash-sale rule mechanics: the 61-day window, substantially identical securities, basis deferral, the IRA trap, and what IRS guidance actually says.]]></description>
      <pubDate>Wed, 18 Feb 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>How does an expense ratio compound against a portfolio?</title>
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      <description><![CDATA[How expense ratios compound against a portfolio: the arithmetic, 30-year examples at 0.05% vs 1%, and where fee arguments mislead.]]></description>
      <pubDate>Mon, 26 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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      <title>What does factor investing actually measure?</title>
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      <description><![CDATA[What factor investing measures: sorting rules, Fama-French evidence, post-publication decay, and why a factor claim without its procedure says nothing.]]></description>
      <pubDate>Sun, 04 Jan 2026 12:00:00 GMT</pubDate>
      <dc:creator>Karim Al-Rashid</dc:creator>
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