There are a lot of numbers, formulas and ratios in personal finance, and one that you have likely heard of is the 60/40 portfolio or investment strategy. This is a type of investment strategy that allocates 60% of the portfolio to stocks (equities) and 40% to bonds (fixed income). This approach strives to balance the…
If you want to enjoy your journey in personal finance, it is to keep things simple and focused on clear, achievable goals that align with your vision of financial freedom. With that being the case and in my effort to simplify my dividend investment plan, I have done the hard math to be able to…
I’ve been actively investing—and even dabbling in stock trading—for over 15 years. Yet, in a twist that surprises even me, it wasn’t until this year that I finally ventured into the world of index funds, those elusive ETFs I’d somehow overlooked for so long. Why did it take me so long? And more importantly, what…