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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Required Rate of Return Calculator
Required Rate of Return Calculator Required Rate of Return Calculator Enter your current principal, contribution plan, and time frame. Pick a goal (or type your own), and we’ll compute the annual return you’d need to hit it. Choose Target Value $100K $500K $1M $10M Custom Tip: Select a preset or choose “Custom” and type any…
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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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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…
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Portfolio Update: June 15th, 2025
Since my last update right after Liberation Day, I bought the dip and added to a few positions I already had, added a popular defensive ETF to my portfolio, and stayed vigilant in my holdings. Thankfully the markets have recovered but not much growth beyond recovery. I am aiming to add more defensive positions in…
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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…