Category: Equity Investing
I am a licensed CPA sharing my experience building my portfolio as a young professional. During this process of sharing information online, I hope to increase free financial literacy access for all.
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My First 5 Years of Financial Data Out of College
I track my finances the same way I track my career: with detailed numbers and trailing metrics. I try to grow from both years where I saw visible growth (professionally and financially) and years that taught me plenty of lessons. The data below covers my 5 years of financial data after college and captures things…
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How to Diversify Your +100K Dividend Portfolio
When managing a 100K dividend portfolio, diversification is key to mitigating risks and ensuring steady growth. You want a mix of high-yield dividend stocks and reliable growth companies. By diversifying your +100K dividend portfolio, you protect your investments against market volatility while securing consistent income through dividends. This strategy requires a careful selection process to balance…
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Where are Your Uncorrelated Assets?
Modern portfolio construction often assumes that owning both stocks and bonds creates sufficient diversification. For decades, the traditional 60/40 portfolio relied on a simple assumption: when equities decline, bonds rise. That relationship helped investors reduce volatility and stabilize portfolio returns. However, over the past several years, stocks and bonds have increasingly moved in sync, weakening…
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Robinhood RVI vs. Fundrise VCX: The New Private Market ETFs
Retail investors have not had many credible ways to buy diversified exposure to private technology companies. That is what makes Robinhood Ventures Fund I (RVI) and Fundrise VCX notable. Both vehicles are designed to give everyday investors access to companies that historically stayed inside venture capital and late-stage growth funds. But once you get past…
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Portfolio Beta Optimizer
This portfolio beta optimizer helps you estimate your portfolio’s beta and then adjust allocations to reach a target beta using only your own inputs. If you already track beta estimates for your holdings, or you want to model “what-if” allocation changes, this calculator can help you quantify how much market sensitivity (beta) you are taking…
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Portfolio Allocation Calculator
This Portfolio Allocation Calculator is a simple tool designed to generate portfolio allocation guidance based on three inputs: age, risk tolerance, and income. Instead of giving a single “perfect” target, the calculator provides allocation ranges across four broad groups—Equities, Credit, Cash, and Alternative Assets—so you have flexibility to build a portfolio that matches your preferences…
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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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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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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…