Category: Blog
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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My 2025 Investment Portfolio Performance: +25.52% vs. the S&P 500’s +17.88%
In 2025, my investment portfolio returned +25.52%, exceeding the S&P 500’s +17.88% total return for the year. This was not a smooth ride: my portfolio experienced a 26.8% drawdown after “Liberation Day”, the early-April tariff shock that drove a sharp, event-driven risk-off move in markets, before recovering as I deployed cash into positions I wanted…
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Portfolio Update: January 1st, 2026
Happy New Year everyone! Before 2025 ended, I made some changes to my portfolio to position myself for a smoother portfolio return. I am really happy for how 2025 went (both financially and personally) and I am looking forward to what 2026 has in store. Portfolio Allocation: Cash & Equivalents (37.1%): Cash & 1-month US…
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Why I’m Buying Bitcoin Here in 2026
Bitcoin’s price action this year has renewed interest from both new and seasoned investors. If you read my earlier piece “Should I Have an Allocation to Bitcoin in My Portfolio?”, you already know the main questions you should consider before you allocate to Bitcoin. Now that Bitcoin has dipped below the $100,000 level, I personally…
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Diversifying Return Drivers: How Institutional Portfolios Are Actually Built
Learn how real portfolios diversify return drivers, not tickers, by combining growth, cash flow, inflation protection, and optionality to stay invested across cycles.
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Why Exposure to Private Markets Provides Better Portfolio Performance
Investing in private markets can significantly enhance your portfolio performance. Private markets offer diversification and can provide resilience during market downturns. By allocating assets into private equity, private debt, and real estate, you tap into sources of return less correlated to the public markets. Exposure to private markets enables you to optimize performance while managing…
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Portfolio Update: November 30th, 2025
Since my last update back in September, I have simplified my equity positions, added a little exposure to Bitcoin when it fell below $100K, began building a sizeable position in a SaaS company, and became a licensed CPA. My updated portfolio is below. Portfolio Allocation: Cash & Equivalents (38.5%): Cash & 1-month US Treasuries Debt…
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How to Reach a 100K Net Worth by Age 25
Hitting a six‑figure net worth by your mid‑twenties is a milestone that inspires both admiration and skepticism. While headlines trumpet twenty‑somethings with $100,000 portfolios, the reality is that most young adults are nowhere near that level of wealth. The U.S. Census Bureau’s Survey of Income and Program Participation shows that the median net worth for…
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How to Diversify with Global Investment Strategies
For decades, U.S. equities have been the backbone of many investors’ portfolios. The S&P 500, with its concentration of innovative companies and deep liquidity, has often outperformed international peers. But in 2025, the narrative has begun to shift. With the U.S. dollar declining in value this year and foreign stock markets outperforming on a dollar-adjusted…
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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…