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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Finfluencers Have Lied to You: Passive Income is Not Real
In the digital age, ‘finfluencers’—financial influencers on social media—have become a pervasive force, often peddling the allure of passive income as a gateway to financial security. They promise a life where money flows in with little to no effort, painting a picture of a lifestyle filled with leisure and free from the shackles of the…
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How was the 2024 Berkshire Hathaway Shareholder Meeting?
Attending a Berkshire Hathaway annual shareholder meeting is akin to a pilgrimage for investors seeking wisdom from arguably the most celebrated names in the world of finance, Warren Buffett and the late Charlie Munger. Held in Omaha, Nebraska, this event is more than a standard review of financials; it’s a festival celebrating the culture and…
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How Do Bonds Work: An Investor’s Guide to Debt Securities
Bonds act as loans that investors provide to governments and corporations for funding, in return the investor receives a (most often times) fixed rate of return on their capital. When an entity issues a bond, it is essentially borrowing funds from the bondholder and in return provides them with periodic interest payments. At the end…
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Investing Community Spotlight: BiggerPockets – The Real Estate Investor Network
Investing in real estate has become a popular avenue for wealth building, and platforms like BiggerPockets have emerged as vital resources for both novice and seasoned investors. BiggerPockets is a comprehensive online community that leverages the collective knowledge of a diverse group of individuals who share a common interest in real estate investing. The platform…
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Investing Community Spotlight: The Boglehead Philosophy
The investing world is filled with different philosophies and strategies, but few have garnered as much respect and following as the principles of being a Boglehead. Named in honor of John Bogle, the founder of Vanguard Group and a staunch advocate for individual investors, the Boglehead approach to investing is centered on simplicity, low-cost index…
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What is Concentration Risk and How Can You Mitigate it in Your Portfolio?
Concentration risk is a potential pitfall in investment portfolio management, manifesting when a significant portion of your portfolio is tied to a single investment, asset class, or market segment. Concentration risk is not inherently bad however, it is a negative opportunity that is present in your situation. It essentially magnifies your exposure to the risks…
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The Best Investment Strategy is Set It and Forget It: A Guide to Long-Term Growth
Investing can sometimes seem like an activity that requires constant attention and fine-tuning. However, having an automated ‘set it and forget it’ investment strategy offers a compelling counterpoint, advocating for a long-term, hands-off approach. By establishing a well-diversified portfolio aligned with your investment goals and risk tolerance, you can minimize the need for ongoing management.…
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VOO and Chill: Adapting Your Portfolio Strategy with Age
Investing in a single index fund, such as the Vanguard S&P 500 ETF (VOO), has become a popular strategy for its simplicity and potential to mirror the performance of the broader market. Often dubbed “VOO and Chill,” this approach advocates for long-term investing without frequent adjustments, under the assumption that the market will generally appreciate…
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What are the Different Asset Classes to Know as you Begin Investing?
Investing can seem daunting, especially for beginners who are just starting out. With so many investment options available, it’s easy to feel overwhelmed and not know where to begin investing. However, investing is an essential step towards financial growth and security, and it’s never too early or too late to start. It’s important to begin…
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What is the Difference Between Asset Allocation and Asset Location?
Asset allocation and asset location are two fundamental concepts in investment strategy that have a profound impact on your financial planning and tax efficiency. While they may sound similar, they serve different purposes in managing your investments. Asset allocation involves determining the mix of investment types—such as stocks, bonds, and cash—that best suits your risk…