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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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 $7,000 in growth without any new contributions. Allocation suddenly matters more than the pace of saving, and how you divide your portfolio will influence…
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Portfolio Update: September 5th, 2025
Since my last update back in August, I got a raise at my current job, have been looking for a new job to build a career in a different field, and made another large purchase for a new car. For Portfolio Literacy, I have recently updated the calculators on the site, so they are more…
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Dividend Portfolio Calculator
Dividend Growth & DRIP Calculator Dividend Growth & DRIP Calculator Starting Balance ($) Annual Contribution ($) Investment Period (years) Dividend Frequency AnnualSemi-AnnualQuarterlyMonthly Starting Dividend Yield (%) Dividend Growth / Yr (%) Share Price Growth / Yr (%) Reinvest Dividends (DRIP) Enabled Taxable Account? Yes Dividend Tax Rate (%) Yield Dynamics Apply dividend growth each year…
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Dividend Portfolio: 20 Year Dividend Income Calculator
20 Year Dividend Income Calculator 20 Year Dividend Income Calculator Principal Investment ($): Average Dividend Yield (%): Average Dividend Growth Rate (%): Reinvest Dividends Calculate Year Starting Investment ($) Dividend ($) How the Dividend Income Calculator Works Our Dividend Income Calculator is a powerful tool designed to help investors project their future dividends over the…
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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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Municipal Bond Yield to Maturity (YTM) & De Minimis Rule Calculator
Municipal Bond Calculator: This free Municipal Bond Calculator will estimate a bond’s return if held to maturity and instantly check the IRS de minimis market discount rule. The tool computes years and periods to maturity and flags whether the bond’s discount is within or above the de minimis threshold, helping you understand if any market…
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Future Value Calculator
Investing your money is one of the smartest financial decisions you can make. Whether you’re saving for retirement, planning a major purchase, or simply building your wealth, understanding the future value of your investments is crucial. With our Future Value Calculator, you can easily calculate how much your periodic investments will grow over time, helping…
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Weighted Average Loan Calculator
Managing multiple loans can be overwhelming, but our Weighted Average Loan Calculator simplifies the process. By inputting the principal, interest rate, and duration of each loan, you can easily calculate the weighted average interest rate and the minimum monthly payment required to satisfy your total debt. Weighted Average Loan Calculator — Portfolio Literacy Updated Weighted…
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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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Dividend Yield vs. Dividend Growth Rate: Your Path to Building Income
Ever wondered how some investors create a steady stream of income that grows year after year? The secret lies in understanding two crucial concepts: dividend yield and dividend growth rate. Many new investors get confused between chasing high dividend yields and focusing on dividend growth, often missing the bigger picture of building long-term wealth. According…