All in Investing

Using debt as a forced savings plan

I’ve repeatedly seen two narratives told over and over again. First of all, debt is bad. Second, although debt is bad, having a mortgage is alright because it acts like a forced savings plan, slowly enabling borrowers to build wealth. But can't the “forced savings plan” idea can be extended beyond simply mortgage debt, if executed intelligently with low interest, short term debt?

How to diversify your portfolio... the easy way

Last week I wrote about the different types of diversification. To put it simply, there's quite a few. It can be exceedingly complex trying to figure out the best way to optimize your portfolio for growth and security. Luckily, there are a couple of free tools that can make everything much, much easier. This is how I would diversify my stock/bond portfolio if I had to do it all over again.

Turning recurring expenses into recurring investments

Life is expensive, and that can make it really hard to save. With rent, cell phones, cars, healthcare, food, childcare, vacations and thousands of other little costs, it’s not unusual for someone to have 80-90% of their income disappear into the ether. Lately, I’ve been thinking about ways I can try to turn at least some of those recurring payments into recurring investments, or at least mitigate them so I don’t lose so much of my income to recurring expenses each month.

Building an investment portfolio from scratch

Without an investment adviser, I've had to go and create my own portfolio. It's a little scary, for sure, but here's the thing: all it takes is effort. With enough research, patience, self-control and fortitude... I feel I can be just as successful as if I worked with an adviser. What's more, after seeing "how the sausage is made" working at a large wealth management firm, I would say the benefits outweigh the risks.

Investing in real estate when real estate is expensive

As I am sure many of you have read over the years, real estate can be an exceptional investment if held over the long term. At one time my family was in real estate, so I've been hearing that since I was a kid. When I was 14, my Dad put a copy of "How I Turned $1000 into Five Million in Real Estate in My Spare Time" in my room, and I was immediately enthralled with the relative simplicity of real estate investment, it's tangibility, and the access to leverage it enabled.