Farmland's Modest Returns, but Data Centers, Solar Boost Yields
The Cult of Farmland Investing: Over the past 70 years, long-term appreciation of farmland has averaged about 6% annualized. Only about 3% of US farmland is currently owned by institutional investors. Land converted for data centers can bring in 8 to 20 times the regular farmland value. Solar lease conversions can generate 15% to 20% a year in gross income relative to the cost basis. Farmland serves as a great portfolio diversifier.
Earn ₦1M Dividend Requires ~₦9.2M Investment
I know you may be thinking about how much you need to invest to earn one million naira or more per stock on dividend, well here is a simple formula For Access Bank Dividend yield= (Annual dividend per share ÷ Current...
Gold Oversold; Expect Stocks to Outperform Next Two Years
Should you invest in gold now? The monthly Sensex to Gold ratio has just hit its most oversold condition in 30 years. 📈🪙 According to the historical data in the chart, here is what it means for your portfolio: 1/ This chart...
Low‑Cost Indexing Builds Wealth, But Concentration Threatens Preservation
Low cost indexing is almost a mathematical certainty to be the ideal way to accumulate wealth, but given index concentration now it may not be the ideal way to preserve it
Roth IRAs: A Powerful Wealth Builder for Black Women
Day 4 of “Black WOMEN: get Life insurance, Trust, ROTH IRA, Real Estate & Brokerage Accounts” Today let’s talk ROTH IRAs.
Cheap $37/Mo Life Insurance Splits $3M Between Spouses
If I die tomorrow, my wife gets $2M. If my wife dies tomorrow, I get $1M. Our plan costs $37/mo. Here's our exact life insurance playbook (from a CPA & dad of 2):
Robinhood Launches Tax‑advantaged Accounts for 2025‑2028 Kids
Robinhood $HOOD just posted this: “Meet Trump Accounts — a new type of tax-advantaged investment account designed to help eligible American children build long-term financial security and investment growth from an early age. How it works: ✔ ️Eligible children born in years...
Prioritize 401k Match, Pay Debt, Then Max Roth
This is the exact order I’d invest my money. The goal here is to optimize your dollars for highest ROI - starting with a 401k match, paying off debt, the Roth IRA, and ending with either maxing out your Roth...
Wealth Requires Constantly Rebuilding Your Portfolio
New Article The portfolio that made you made money five years ago is a historical artifact. The portfolio that keeps you wealthy is the one you have the courage to keep rebuilding. https://t.co/4x8E2bMPMq
Inheritance Fades: Most Wealth Doesn't Reach Grandchildren
Most people lucky enough to be able to leave serious money behind imagine it doing good work for generations. The evidence says otherwise. So, what survives the grandchildren? And what doesn’t? Read my latest for The Times 👇 https://t.co/gp174pbIry
Wealth Grows When Financial Advisors Work Together
Most advisors operate in silos. One handles investments. Another handles insurance. Another handles real estate. Another handles estate issues. But sophisticated wealth is rarely built that way. True wealth strategy requires integration. Real estate decisions affect liquidity. Insurance impacts estate preservation. Investment planning influences tax exposure...
Engage Heirs Early: Build Advisory Relationships Before Wealth Transfer
Retaining the next generation after the "great wealth transfer" begins NOW, before they even become clients. From an heir's perspective, being thrust into the challenging situation of losing a loved one – and potentially being named executor or trustee –...
Wealth Begins When You See Broke as Temporary
The real “secret to getting rich” was realizing I was never poor. I was just broke, and broke is temporary if you build like someone who plans to be wealthy. Precious metals are a good defensive asset, so I bought some. They...
Max Tax-Advantaged Accounts First, Then Low-Cost Index Funds
"I have $200k to deploy into the stock market. How do I do it?" I personally would: 1. increase 401k contribution to max allowed (~75%) 2. max out Roth IRA 3. max out HSA (if eligible) 4. put the rest into a brokerage account (I...
Treat Stocks as Compounding, Not a Casino
You get richer in the stock market when you stop treating it like a casino and start treating it like a long-term compounding machine.