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.
-
What To Do After Reaching $100K Net Worth?
Reaching a $100K net worth is a major milestone in personal finance. For many, it represents years of discipline, sacrifice, and growth. Whether you got there through consistent saving, investing in the markets, building a side hustle, or all of the above, hitting six figures signals that you’re no longer just starting out. You’re in…
-
Student Loan Planning: Tips for College Students and Graduates
Understanding Student Loans Whether you are planning to go to college, already enrolled, or just graduated, it’s important to have a good understanding of student loans if you are using them to go further in your education. Many people use a student loan (or more than one) to pay for college and pursue further education.…
-
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…
-
How Would a Boglehead Invest in Private Credit?
Investing in private credit presents an interesting question for followers of the Jack Bogle investment philosophy. While a Boglehead traditionally focuses on low-cost index funds and publicly traded securities, private credit exists outside this familiar territory. This asset class, which includes direct lending and other non-bank financing, has gained attention for potentially higher yields in…
-
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…
-
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…
-
Building a Dividend Portfolio with Private Credit
Many dividend investors build their portfolio for continued income growth to achieve their financial goals long term. By incorporating private credit, you can potentially enhance this strategy through diversification of asset classes and return structure. Private credit can offer higher yields and diversified returns, benefiting dividend investors seeking a stable income stream long term. When…
-
What are US Series EE Bonds?
Series EE Bonds are a non-marketable, interest-bearing savings bonds issued by the U.S. government. When you purchase this type of bond, you’re essentially lending money to the federal government, which promises to pay you back with interest. These bonds are guaranteed to at least double in value when held to their full term, making them…
-
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…
-
What Does HENRY mean in Personal Finance?
Ever wondered why some people with impressive salaries still don’t feel financially secure? Enter the HENRY – an acronym for “High Earner, Not Rich Yet” – a term describing professionals who make substantial incomes but haven’t accumulated significant wealth yet. These individuals typically earn six-figure salaries but find much of their income allocated to expenses…