Portfolio Literacy is dedicated to transparency and promoting free financial literacy for everyone. Here are Portfolio Literacy’s latest blog posts. If you are looking for specific topics, the categories are at the bottom of this page.
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What is Private Credit and How Can I Add It to My Portfolio?
Private credit became a hot topic in recent years as the Fed started rate hikes in March of 2022. Private credit involves investments in non-bank lending to private companies. Private credit can provide steady returns and reduce overall risk through varied investment vehicles however the asset class comes with its own risks. Private credit can…
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PRIV, the First Private Credit ETF on the Market
A groundbreaking financial innovation has just hit the market with the launch of the SPDR SSGA Apollo IG Public & Private Credit ETF, trading under the ticker PRIV. This first-of-its-kind fund represents a watershed moment for the $1.6 trillion private credit industry, now making these previously exclusive investment opportunities accessible to everyday investors. The new…
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How to Build Wealth 100K in Annual Income?
Building substantial wealth with 100K in annual income is achievable through financial planning and disciplined investing. You’re in a strong position to create lasting financial security by maximizing your earning potential while maintaining smart money habits. You can build significant wealth with $100K by investing 20-30% of your income consistently every year, maximizing tax-advantaged retirement…
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Portfolio Update: February 22nd, 2025
Since my last update at the start of January, I have been making some changes to the site with monetization updates and more types of content. I had 2 new investments in my portfolio with Fundrise and UEC. I added UEC to capture the anticipated growth in nuclear. Portfolio Allocation: Cash & Equivalents (53.2%): Cash…
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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…
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How to Start an Income Portfolio with 100K
Building an income portfolio that you can reliably live off takes time and can be a financial strategy if you want to live off your portfolio distributions. By carefully selecting dividend stocks and other income-generating assets, you can create a reliable income stream. This approach can potentially turn your initial capital into a source of…
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10 Personal Finance Do’s for 2025
In the ever-evolving landscape of personal finance, staying informed and adaptable is key to navigating the complex financial decisions you face in 2025. As this new year unfolds, it’s essential to evaluate and refine your financial habits to ensure stability and growth. Why should you focus on your personal finance strategy this year? With constant…
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How My Portfolio had a +51% Return in 2024
Portfolio Performance Overview 2024 was an exceptional year for my equity portfolio, delivering over +51% returns. This outperformance was largely driven by a mix of strategic concentrated positions, options strategies, and steady dollar-cost averaging (DCA) into the S&P 500. Below, I outline the key contributors to my success and the strategies I used to manage…
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Your Net Worth Does Not Explode After 100K
If you’ve spent even a little time in the personal finance corner of YouTube, you’ve likely come across a catchy, clickbait title: “Your Net Worth Explodes After $100K.” It’s a bold claim—an enticing promise that reaching this magical milestone will catapult your financial growth into the stratosphere. But is it true? Does your net worth…
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5 Ways to Add Real Estate to Your Portfolio
Adding real estate to your portfolio can be a strategic move to enhance financial stability. It gives you the chance to branch out from traditional investments like stocks and bonds, helping reduce the impacts of market fluctuations. As you explore this sector, consider how such assets can align with your financial goals and risk tolerance.…