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.
Indexation Neutralizes Higher CGT, Volatility Amplifies Distortion
I’ve modelled 3 possible UK CGT systems over 20 years assuming: • £100k invested • 7% annual returns • 3% annual inflation • invested in a collective fund (taxed once to CGT at the end) or a portfolio of individual shares sold every...
Take Small Losses: Prevent Bigger Hits, Save Taxes, Reallocate Capital
We take small losses because: A) It's better than letting them become bigger ones B) It's Tax Efficient C) It's a good way to free up capital to buy more of what's working
Smart Rebalancing Cuts Taxes and Boosts Savings
The way you rebalance your portfolio will determine how much you pay in taxes. Doing it incorrectly can result in unnecessary expenses, but there are a few rebalancing rules that can maximize your savings. https://t.co/THJGk6LSHp
True Compounding Requires Holding Investments for 7‑plus Years
I don't have an opinion on this trade, but I am reminded of the late Murray Stahl's observation that most investors have too short a holding period for true compounding to occur; that can happen only over periods longer than...
Simplify: Just 1‑3 ETFs for Solid Investing
You don't need 17 ETFs Most need - 1 core US stock ETF - 1 international ETF if you want global exposure - 1-2 growth or dividend funds depending on their plan This goal isn't to build a complicated portfolio It's to build one that's easy...
Simple Habits Automate $100K Wealth
Many think $100,000 invested is impossible. Then they realize it comes down to mostly boring habits. Automating investing Avoiding lifestyle creep Increasing income Buying simple index funds Once you build the machine, it really starts helping you.
Buffett Says Pick an Index, Not Individual Stocks
Warren Buffett Advice: You Don’t Have To Pick The Right Stock, Just Pick This Index And You’ll Build Wealth In The Long Term https://t.co/yuhMZHyS7V
Own a Resilient Business, Not Speculative Stock Rentals
"Time is more wisely spent locating and owning a business that has the ability to profit in all economic environments than by renting a group of stocks that do well only if a guess about the economy happens to be...
Buffett's 4 Stock Rules: Understand, Prospects, People, Price
Warren Buffett shares his 4 criteria for buying a stock in this shareholder letter from 1977 "We want the business to be (1) one that we can understand, (2) with favorable long-term prospects, (3) operated by honest and competent people, and...
Combine IRA and HSA for Tax‑Efficient Retirement Savings
For any retiree that is saving for both medical expenses in retirement and also all of their other retirement goals, using a combination of an IRA (for most retirement expenses) supplemented by an HSA as a "retirement health savings account"...
War Devalues Money; Real Assets Outperform Over Decades
Warren Buffett on asset allocation during war: "The one thing you can be quite sure of: if we went into some very major war, the value of money would go down. You’re going to be a lot better off owning...
High Equity Can Stay Balanced as Markets Rise
Warren Buffett’s Berkshire Hathaway maintains an asset allocation of approximately 45/55 between equity in businesses and cash & cash equivalents. My own asset allocation is 90% equity and 10% cash & cash equivalents, which feels reckless by comparison. When there are no...
Invest Early, Let Money Work, Make Work Optional
If you want to be FREE you have to “make your money work for you” — otherwise you will spend your entire life working for money. This is done by investing a portion of your income every month (index ETFs like...
Avoid ETF Hype; Stick to Your Own Risk‑aligned Beta
Quotes like these at ATH from self interested parties shilling ETF's encourage excessive speculation instead of soberly advocating ALWAYS own beta at your comfortable risk target.
Prioritize Core 90% Portfolio, Reserve 10% for Edge Bets
Been working on my financial plan. Sharing in case it's useful. The frame. You have more than enough. The job now is contentment and not screwing it up, not maximizing. AppSumo is your alpha. Family time is finite. Investing is a...
LLC in Dynasty Trust Generates Cashflow Without Taxable Events
Yes. The LLC inside the dynasty trust can still generate yield. You manage the LLC, pay yourself a salary, and borrow against the assets to pull liquidity without triggering a taxable event. The assets service the debt and grow inside...
Stay Invested; Missing Top Days Hurts Returns
What happens when you miss the best trading days? #investing Think about time in the market instead of timing the market. Because if you miss the best trading days, it can impact long term returns.
Sell Timing Matters as Much as Asset Choice
When it's time to rebalance, where you sell matters just as much as what you sell. https://t.co/WhFKGHqYb3
Wealth Grows From Expert Insight, Not Crowd Advice
Amateur advice costs more than professional guidance. The market doesn't care about your feelings or your friend's 'inside information.' Your wealth isn't a democracy, so stop polling the crowd. The ultra-wealthy build fortunes by paying for specialized knowledge
Navigate 530A Trump Accounts: Avoid Gift and Kiddie Tax Traps
A brand-new savings account for children just went live, and advisors are already fielding questions from clients who don't know what to make of it. Section 530A Trump Accounts have real planning potential, but also real traps, including a gift...
Home Sale Tax Exemption Stuck Since 1997, Needs Update
The capital gains tax exemption ($250k/$500k) on the sale of your home hasn't been adjusted for inflation since 1997. It would be ~$500k/~$1M today if adjusted. With the housing boom since 2020, should Congress adjust it for inflation?
More Wealth, Less Risk Appetite: The Paradox Explained
Most people believe having more wealth means you can take more risk. But the opposite is true. The more you have, the more it hurts to lose. My latest on the Risk-Wealth Paradox: https://t.co/C0PA5iPzwq
Most “Inflation Hedges” Fail Against Core Cost Spikes
Investors worry about #Inflation .. The industry knows it, and sells them a solution. The problem? Most assets sold as inflation hedges only protect against about 9% of your cost of living. New research finds that equities, gold, property funds and commodities...
Most of Your Net Worth Tied to One Stock
You’re 41, Principal Engineer, $280k TC. Net worth just hit $1M. Breakdown: $40k 401k, $10k cash, $950k in unvested + vested company RSUs. You’re 95% in one stock. **Here’s the trap**:
Norse Raiders' Tactics Reveal Microcap Investing Secrets
Here is a new presentation. What three centuries of Norse raiders teach us about microcap investing. https://t.co/Y2R74Vus9F
Wealth Requires High‑Conviction, Concentrated Bets, Not Diversification
The other point is - and it’s one I really agree with - that despite the facetious framing it’s really an affirmation of massive concentration. Forget the 10 baggers, you need to make massively concentrated bets to build wealth, if...
Indians Buy Gold to Hedge Inflation and Rupee Decline
Gold imports = gold purchases at lower price = higher asset value as gold has appreciated. Indians buy gold because it's a real asset and a good hedge against inflation or depreciation of rupee vs USD and vs gold.
Buy a Business, Earn $700K Annually Over 5 Years
If you buy the right business, the pay can be amazing: $250k/year in salary + $2.25M payout when you sell it later Over a 5-year hold, that’s $700k/year income. That’s why so many wealthy people buy businesses instead of trying to create unicorns. The best part...
Exchange Funds Enable Diversification While Deferring Capital Gains
On the one hand, continuing to hold the security exposes much of the client's portfolio to the risks inherent in investing in a single company. On the other hand, selling the security in order to diversify may trigger significant capital...
Use Your 401(k) to Purchase Property Penalty‑Free
You’ve been lied to about your 401(k) Your employer told you it was just for retirement, but they never told you it could help you buy real estate without taking the typical early withdrawal penalties, without begging a bank for money,...
Diversify with Index Funds, Skip the Perfect Stock Hunt
Don't be stressed about picking the "perfect" stock. You don't have to. Broad index funds let you buy a tiny slice of 500 major companies all at once. Diversification protects you from the sudden collapse of any single company.
How We Turned Salary Into $102k Investment Income
When I married Erin, we made $92k/yr. Today, our investments alone pay $102k/yr. Here are the 5 steps we took as a couple to become "Middle Class Millionaires"...
Vanguard AI Shifts Advisors From Assistants to Decision Partners
Vanguard AI Portfolio Analysis: Beyond Assistants to Decision-Support Advisors upload portfolios, get stress tests + healthcare cost projections + Social Security optimization. Three phases: assist, augment, act. Advisors remain final decision makers https://t.co/qdxRQ6OW5z
Five Hidden Habits Sabotaging Your Wealth Journey
Here are five signs that you are hurting your journey to building wealth without realizing it. https://t.co/9cSMSLHwyT
Financial Independence Makes Monday Work Optional
If you want work on Mondays to be OPTIONAL . . . I hope you find my page. FTR: I retired from the 9-5 job at age 42 (2 years ago) thanks to learning how to save & invest my money. I’m...