Category: Personal Views
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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My 2025 Investment Portfolio Performance: +25.52% vs. the S&P 500’s +17.88%
In 2025, my investment portfolio returned +25.52%, exceeding the S&P 500’s +17.88% total return for the year. This was not a smooth ride: my portfolio experienced a 26.8% drawdown after “Liberation Day”, the early-April tariff shock that drove a sharp, event-driven risk-off move in markets, before recovering as I deployed cash into positions I wanted…
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Portfolio Update: January 1st, 2026
Happy New Year everyone! Before 2025 ended, I made some changes to my portfolio to position myself for a smoother portfolio return. I am really happy for how 2025 went (both financially and personally) and I am looking forward to what 2026 has in store. Portfolio Allocation: Cash & Equivalents (37.1%): Cash & 1-month US…
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Why I’m Buying Bitcoin Here in 2026
Bitcoin’s price action this year has renewed interest from both new and seasoned investors. If you read my earlier piece “Should I Have an Allocation to Bitcoin in My Portfolio?”, you already know the main questions you should consider before you allocate to Bitcoin. Now that Bitcoin has dipped below the $100,000 level, I personally…
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Portfolio Update: November 30th, 2025
Since my last update back in September, I have simplified my equity positions, added a little exposure to Bitcoin when it fell below $100K, began building a sizeable position in a SaaS company, and became a licensed CPA. My updated portfolio is below. Portfolio Allocation: Cash & Equivalents (38.5%): Cash & 1-month US Treasuries Debt…
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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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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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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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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…
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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…