Category: Equity 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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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 to Stay the Course During Market Volatility
Market volatility can trigger strong emotional responses that lead many investors to make costly mistakes. When markets plummet, it’s natural to feel anxious and consider selling investments to prevent further losses. Staying the course during market turbulence is often the most prudent approach for long-term investors, as historically, markets have always recovered and reached new…
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Liberation Day Portfolio Update: April 5th, 2025
Since my last update back in February, I had covered calls expire and sold my Starbucks position providing me more cash, made regular investments through my work 401(k), and my cash savings have gone up due less spending in the end of February and March. Markets absolutely plummeted due to ‘Liberation Day’, the drastic tariffs…
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How to Grow a 3-Fund Dividend Portfolio?
Building a 3-fund dividend portfolio offers a straightforward path to generating dividend income while maintaining simplicity in your investment strategy. By carefully selecting three complementary funds, you can create a balanced approach that provides regular dividend payments without requiring constant portfolio adjustments. Creating a successful 3-fund dividend portfolio requires focusing on total return potential rather…
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Boglehead 3-Fund Portfolio vs 4-Fund Portfolio
Investors seeking straightforward, low-cost investment strategies often encounter the Boglehead approach, inspired by Vanguard founder Jack Bogle’s principles of simplicity and diversification. The classic Three-Fund Portfolio consists of domestic stocks, international stocks, and U.S. bonds—creating a globally diversified investment mix with minimal complexity. Adding a fourth fund, typically international bonds or TIPS, can potentially enhance…
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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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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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How My Portfolio had a +51% Return in 2024
Portfolio Performance Overview 2024 was an exceptional year for my equity portfolio, delivering over +51% returns. This outperformance was largely driven by a mix of strategic concentrated positions, options strategies, and steady dollar-cost averaging (DCA) into the S&P 500. Below, I outline the key contributors to my success and the strategies I used to manage…
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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…