TD Academy

Crypto, stocks and personal finance, clearly explained

Evergreen guides with worked examples, plain-English answers and sources you can check. Learn how markets work before you put money in them.

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Plain-English crypto guides for beginners: how Bitcoin and Ethereum work, how to buy and store coins safely, what…

Stock market basics for beginners: how shares and exchanges work, how to open a brokerage account, why index…

Trading for beginners, explained honestly: how to read charts and indicators, how to size positions and set stop…

Personal finance basics in one place: how to budget, build an emergency fund, pay off debt, raise your…

What is fintech, and how does it affect your money? Guides to neobanks, buy now pay later, robo-advisors,…

Growth stocks cost more relative to earnings because investors expect fast growth; value stocks trade cheaply. See how each is…

10 min read

USDT is bigger and more liquid; USDC holds simpler reserves, reports monthly and is regulated in the EU and US.…

11 min read

Proof of work secures a blockchain with computing power and electricity; proof of stake secures it with locked-up tokens. PoW…

10 min read

A traditional IRA can cut your taxes now; a Roth IRA makes qualified withdrawals tax-free later. Which is better depends…

11 min read

Risk management in trading means capping what each trade, day and losing streak can cost you, usually by risking 1%…

10 min read

A liquidity pool is a smart contract holding two tokens that traders swap against. A formula sets the price, and…

9 min read