Category: Credit 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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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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How to Start an Income Portfolio with 100K
Building an income portfolio that you can reliably live off takes time and can be a financial strategy if you want to live off your portfolio distributions. By carefully selecting dividend stocks and other income-generating assets, you can create a reliable income stream. This approach can potentially turn your initial capital into a source of…
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Your Net Worth Does Not Explode After 100K
If you’ve spent even a little time in the personal finance corner of YouTube, you’ve likely come across a catchy, clickbait title: “Your Net Worth Explodes After $100K.” It’s a bold claim—an enticing promise that reaching this magical milestone will catapult your financial growth into the stratosphere. But is it true? Does your net worth…
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Portfolio Update: January 1st, 2025
Happy New Year everyone! Before 2024 ended, I made some changes to my portfolio to position myself for long term tax savings by maxing out contributions to my IRA & HSA accounts. I am really happy for how 2024 went and I am looking forward to what 2025 has in store. Portfolio Allocation: Cash &…
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The 2025 Portfolio Outlook by Portfolio Literacy
As we close the chapter on 2024 and enter 2025, I want to share thoughts for the upcoming year when it comes to 2025 portfolio positioning through various asset classes. We will look at each asset class and elaborate on how you may want to position your portfolio and how I plan to allocate in…
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5 Investments that Will Provide a Real Return
In today’s financial landscape, finding reliable investments that offer a real return can be challenging. With inflation impacting the purchasing power of your money, it’s essential to focus on assets that can outpace rising costs. Real return refers to the actual gain on an investment after accounting for taxes and inflation. Investors seek opportunities that…
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Do I Bonds Fit Into Your Portfolio in 2025?
Assessing the role of I Bonds in your investment portfolio in 2025 is a significant consideration, particularly in an uncertain future when it comes to inflation. These bonds are specifically designed to protect against inflation, which may be a critical factor given the fluctuating rates experienced in recent years. As low-risk investments backed by the…