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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How to Become Debt Free in 2 Years
Becoming debt free in two years might seem like a daunting task, but with the right plan and determination, it is a realistic goal. By understanding your finances and creating a strategic debt reduction plan, you can turn financial burdens into financial freedom. The journey requires evaluating your current financial situation, cutting unnecessary expenses, and…
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How Does Yield on Cost Work for Dividend Stocks?
Investors looking to maximize their dividend returns in the stock market often turn to dividend stocks that will provide them a high yield on cost in future years. Yield on cost helps you assess the long-term profitability of your investments by comparing the current dividend yield against the original cost of the stock. This offers…
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How to Invest in Real Estate with Fundrise?
Fundrise is a unique platform that has made real estate investment accessible to more people by using crowdfunding techniques. Fundrise allows individuals to invest in private real estate investments with far less capital than traditional methods require. This approach gives investors the chance to diversify their portfolios with alternative investments. Founded in 2012, Fundrise stands out…
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Portfolio Update: January 1st, 2025
Happy New Year everyone! Before 2024 ended, I made some changes to my portfolio to position myself for long term tax savings by maxing out contributions to my IRA & HSA accounts. I am really happy for how 2024 went and I am looking forward to what 2025 has in store. Portfolio Allocation: Cash &…
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Portfolio Literacy in 2025: The Next Chapter
As we step into 2025, I’m excited to share the evolving direction of Portfolio Literacy. This past year has been about laying the foundation—building tools like the Future Value of Investments Calculator, exploring portfolio risks every investor faces, and discussing the fundamentals of financial literacy. Now, it’s time to take things a step further. In…
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The 2025 Portfolio Outlook by Portfolio Literacy
As we close the chapter on 2024 and enter 2025, I want to share thoughts for the upcoming year when it comes to 2025 portfolio positioning through various asset classes. We will look at each asset class and elaborate on how you may want to position your portfolio and how I plan to allocate in…
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5 Investments that Will Provide a Real Return
In today’s financial landscape, finding reliable investments that offer a real return can be challenging. With inflation impacting the purchasing power of your money, it’s essential to focus on assets that can outpace rising costs. Real return refers to the actual gain on an investment after accounting for taxes and inflation. Investors seek opportunities that…
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Roth vs. Traditional IRA: Which is Right for Your Portfolio
When it comes to retirement planning, IRAs (Individual Retirement Accounts) are some of the most powerful tools at your disposal. But not all IRAs are created equal. The choice between a Roth IRA and a Traditional IRA isn’t just a financial decision—it’s a bet on your future circumstances, tax bracket, and retirement strategy. In this…
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Do I Bonds Fit Into Your Portfolio in 2025?
Assessing the role of I Bonds in your investment portfolio in 2025 is a significant consideration, particularly in an uncertain future when it comes to inflation. These bonds are specifically designed to protect against inflation, which may be a critical factor given the fluctuating rates experienced in recent years. As low-risk investments backed by the…
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How to Reduce Inflation Risk in Your Portfolio
To safeguard your investments, understanding how inflation can impact your portfolio is crucial. Inflation risk can erode your purchasing power over time, affecting your long-term financial goals. By implementing strategies that account for inflation, you can protect your investment portfolio and maintain your wealth over time. Adjusting your approach involves being mindful of economic growth…