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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6 Defensive Assets for Your Portfolio in 2025
As economic uncertainties increase, preparing your portfolio for potential market downturns becomes essential. Recent market volatility has already wiped out $4 trillion in stock market value, highlighting the importance of adding defensive assets to your portfolio in 2025. Knowing which assets can provide stability during economic turbulence can help protect your wealth and potentially offer…
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What Does HENRY mean in Personal Finance?
Ever wondered why some people with impressive salaries still don’t feel financially secure? Enter the HENRY – an acronym for “High Earner, Not Rich Yet” – a term describing professionals who make substantial incomes but haven’t accumulated significant wealth yet. These individuals typically earn six-figure salaries but find much of their income allocated to expenses…
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3 Reasons Why Illiquid Assets Can Be Good for Your Overall Portfolio
In today’s investment landscape, portfolio diversification extends beyond traditional stocks and bonds. Many investors overlook the potential benefits of adding illiquid assets in private markets to their financial strategy. These investments, which cannot be quickly converted to cash without potential loss of value, offer unique advantages worth considering. Illiquid assets can help diversify your portfolio…
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How to Understand Credit Spreads in Bonds?
In the complex world of financial markets, credit spreads serve as crucial indicators of risk perception and economic health. When you examine credit spreads, you’re looking at the difference in yield between two debt securities with similar maturity dates but different credit ratings. Credit spreads represent the additional yield investors demand as compensation for taking…
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What Is the Difference Between Investment Grade and High-Yield Bonds?
Bonds serve as essential tools in investment portfolios, offering steady income streams and potential returns. Investment-grade bonds are issued by financially stable companies with high credit ratings and offer lower yields but greater security, while high-yield bonds come from companies with lower credit ratings and provide higher potential returns with increased risk. Investment-grade bonds typically…
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What is Private Credit and How Can I Add It to My Portfolio?
Private credit became a hot topic in recent years as the Fed started rate hikes in March of 2022. Private credit involves investments in non-bank lending to private companies. Private credit can provide steady returns and reduce overall risk through varied investment vehicles however the asset class comes with its own risks. Private credit can…
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PRIV, the First Private Credit ETF on the Market
A groundbreaking financial innovation has just hit the market with the launch of the SPDR SSGA Apollo IG Public & Private Credit ETF, trading under the ticker PRIV. This first-of-its-kind fund represents a watershed moment for the $1.6 trillion private credit industry, now making these previously exclusive investment opportunities accessible to everyday investors. The new…
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How to Build Wealth 100K in Annual Income?
Building substantial wealth with 100K in annual income is achievable through financial planning and disciplined investing. You’re in a strong position to create lasting financial security by maximizing your earning potential while maintaining smart money habits. You can build significant wealth with $100K by investing 20-30% of your income consistently every year, maximizing tax-advantaged retirement…
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Portfolio Update: February 22nd, 2025
Since my last update at the start of January, I have been making some changes to the site with monetization updates and more types of content. I had 2 new investments in my portfolio with Fundrise and UEC. I added UEC to capture the anticipated growth in nuclear. Portfolio Allocation: Cash & Equivalents (53.2%): Cash…
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Where to Start with Personal Finance?
Starting with personal finance can often seem overwhelming, especially if you’re unfamiliar with the basics. To begin, assess your financial situation to understand your current standing, as this is critical for crafting a financial path forward. Educating yourself on financial literacy concepts like budgeting, saving, and credit management is essential to building a stable financial…