From the Tamias team
The Tamias Blog
Posts tagged Tax
The Perfect Coupon Timing Is Worth R$ 116 (and You Still Can't Capture It)
July 17, 2026 · 10 min read
There's an elegant optimisation hidden in the regressive tax table: buy on the right date so the first coupon dodges the priciest bracket. We ran the numbers. It's a mirage — and the mirage teaches more than the result.
The Tax You Don't Pay Today: Why Deferral Is a Source of Return
July 17, 2026 · 10 min read
Most investors compare tax rates. Almost nobody compares the timing. But when you pay tax changes your return as much as how much you pay — and over a retirement horizon, deferral is worth more than a point a year.
The High-Coupon Myth: Why Getting Paid Sooner Doesn't Mean Earning More
July 15, 2026 · 12 min read
The semiannual coupon is sold as passive income and a clear advantage. It is really a risk swap — and for anyone still in the accumulation phase, an expensive one: the taxman collects even when interest rates never move.
The Dutch Pension Gap Most Employees Never Diagnose
May 28, 2026 · 9 min read
If your employer contributes 5% to your pension, you may retire on 30% of your working income — while a government-subsidised top-up mechanism sits unused. A diagnostic for employees in the Netherlands.