GROW YOUR FUTURE

When young investors first start building a portfolio, the choices can feel overwhelming. But two indices offer a simple, beginner‑friendly way to understand how diversification and sector exposure work: the S&P 500 and the NASDAQ‑100.

Your “Rate of Return” (ROR) is the percentage amount your investments have gained, or lost, over a period of time. “Rate of Return” is the fuel that powers compounding gains. For consistency, investors like to compare performance for each year. And yes, your ROR might be negative in some years.