Category: Alternative Investing
I am a CPA Candidate sharing my experience building my portfolio while in my 20s. During this process of sharing information online I hope to increase free financial literacy access for all.
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Should I Add Bitcoin to My Portfolio?
“Should I own some bitcoin?” has quietly become one of the most common portfolio questions of the last few years. To answer it well, you don’t need tribalism or memes, you need a clear understanding of what cryptocurrency is, what makes Bitcoin different, how it can (and can’t) help a diversified portfolio, and what risks…
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Building a 50/30/20 Portfolio as a Boglehead Investor
One of the most common frameworks in personal finance is the 50/30/20 budget rule: 50% of income goes toward needs, 30% toward wants, and 20% toward savings. But what if you flipped that logic and used it as a way to structure your investment portfolio? That’s where the 50/30/20 portfolio comes in. As a Boglehead-style…
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The Growing Opportunities for Retail Investors in Alternative Investing
Alternative investing has long been the domain of large institutions and high-net-worth individuals. Family offices, pension funds, endowments, and sovereign wealth funds have relied on these asset classes for decades to diversify portfolios and capture returns that don’t move in lockstep with public equities or bonds. For average retail investors access to alternatives has been…
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Building a 50/30/20 Portfolio at a $100K Net Worth
Reaching a six-figure net worth is a milestone that reshapes how many people view their financial future. At $100,000, compounding begins to feel tangible: a seven percent annual return translates to $7,000 in growth without any new contributions. Allocation suddenly matters more than the pace of saving, and how you divide your portfolio will influence…
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Portfolio Update: September 5th, 2025
Since my last update back in August, I got a raise at my current job, have been looking for a new job to build a career in a different field, and made another large purchase for a new car. For Portfolio Literacy, I have recently updated the calculators on the site, so they are more…
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Achieving Portfolio Critical Mass: My Strategy for Exponential Growth
Portfolio critical mass is one of the most powerful milestones in investing. But what does it really mean? For some, it’s the point where their net worth crosses a round number like $100K or $1M. For others, it’s when their portfolio generates more in returns than the money they contribute each year. For me, portfolio…
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Portfolio Update: August 1st, 2025
Since my last update back in June, I passed my CPA exams and completed the remaining college credits required to be licensed, locked in gains on half of my SoFi position, and incurred some major expenses. As I shift my focus after obtaining my license, I am going to focus on finding a new job…
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Portfolio Update: June 15th, 2025
Since my last update right after Liberation Day, I bought the dip and added to a few positions I already had, added a popular defensive ETF to my portfolio, and stayed vigilant in my holdings. Thankfully the markets have recovered but not much growth beyond recovery. I am aiming to add more defensive positions in…
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The Rise of the 50/30/20 Portfolio Allocation
In the world of personal finance and investment strategy, portfolio allocation remains a cornerstone of wealth building. For decades, conventional wisdom has prescribed variations of the 60/40 portfolio—60% equities, 40% bonds—as the go-to mix for balanced, long-term investing. In recent years, that allocation has started to show its age, especially in the face of prolonged…
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How Would a Boglehead Invest in Private Credit?
Investing in private credit presents an interesting question for followers of the Jack Bogle investment philosophy. While a Boglehead traditionally focuses on low-cost index funds and publicly traded securities, private credit exists outside this familiar territory. This asset class, which includes direct lending and other non-bank financing, has gained attention for potentially higher yields in…