Category: New 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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The Growing Opportunities for Retail Investors in Alternative Investing
Alternative investing has long been the domain of large institutions and high-net-worth individuals. Family offices, pension funds, endowments, and sovereign wealth funds have relied on these asset classes for decades to diversify portfolios and capture returns that don’t move in lockstep with public equities or bonds. For average retail investors access to alternatives has been…
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Bogleheads’ Investment Simplicity: The Three-Fund Portfolio Model Explained
Investing strategies often become mired in complexity, but the Bogleheads champion a philosophy that prizes simplicity and efficiency. The Bogleheads, a group inspired by Vanguard founder Jack Bogle, advocate for an investment approach that is accessible to everyone—not just financial experts. Central to their philosophy is the three-fund portfolio model, a strategy that simplifies investing…
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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 $7,000 in growth without any new contributions. Allocation suddenly matters more than the pace of saving, and how you divide your portfolio will influence…
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Dividend Portfolio Calculator
Dividend Growth & DRIP Calculator Dividend Growth & DRIP Calculator Starting Balance ($) 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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Municipal Bond Yield to Maturity (YTM) & De Minimis Rule Calculator
Municipal Bond Calculator: This free Municipal Bond Calculator will estimate a bond’s return if held to maturity and instantly check the IRS de minimis market discount rule. The tool computes years and periods to maturity and flags whether the bond’s discount is within or above the de minimis threshold, helping you understand if any market…
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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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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…