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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Portfolio Allocation Calculator
This Portfolio Allocation Calculator is a simple tool designed to generate portfolio allocation guidance based on three inputs: age, risk tolerance, and income. Instead of giving a single “perfect” target, the calculator provides allocation ranges across four broad groups—Equities, Credit, Cash, and Alternative Assets—so you have flexibility to build a portfolio that matches your preferences…
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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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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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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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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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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…
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Liberation Day Portfolio Update: April 5th, 2025
Since my last update back in February, I had covered calls expire and sold my Starbucks position providing me more cash, made regular investments through my work 401(k), and my cash savings have gone up due less spending in the end of February and March. Markets absolutely plummeted due to ‘Liberation Day’, the drastic tariffs…
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Where to Start with Personal Finance?
Starting with personal finance can often seem overwhelming, especially if you’re unfamiliar with the basics. To begin, assess your financial situation to understand your current standing, as this is critical for crafting a financial path forward. Educating yourself on financial literacy concepts like budgeting, saving, and credit management is essential to building a stable financial…