Category: Experienced Investors
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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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 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…
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Should I Add Bitcoin to My Portfolio?
“Should I own some bitcoin?” has quietly become one of the most common portfolio questions of the last few years. To answer it well, you don’t need tribalism or memes, you need a clear understanding of what cryptocurrency is, what makes Bitcoin different, how it can (and can’t) help a diversified portfolio, and what risks…
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Building a 50/30/20 Portfolio as a Boglehead Investor
One of the most common frameworks in personal finance is the 50/30/20 budget rule: 50% of income goes toward needs, 30% toward wants, and 20% toward savings. But what if you flipped that logic and used it as a way to structure your investment portfolio? That’s where the 50/30/20 portfolio comes in. As a Boglehead-style…
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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 $10M Custom Tip: Select a preset or choose “Custom” and type any…
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Dividend Portfolio Calculator
Dividend Growth & DRIP Calculator Dividend Growth & DRIP Calculator Starting Balance ($) 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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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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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…