Portfolio CeilingBlog
Practical guides to invest with a method: price ceiling, monthly contributions, and portfolio organization. Each article links to a free tool.
Building a dividend portfolio with a method
Combine target allocation, price ceilings, and a monthly routine into a repeatable process for building a dividend portfolio.
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P/E ceiling explained: EPS times the multiple you will pay
Learn the P/E price ceiling formula, how to choose a target multiple, and why normalized earnings beat a single year of EPS.
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REIT target yield in practice: how to choose the number
Choose a REIT target yield using its own history, peers, and Treasury yields, then turn it into a price ceiling with a worked example.
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Monthly contribution discipline: a system that keeps you investing
Automate your monthly contribution, understand dollar-cost averaging with real numbers, and set a fallback rule for months with no bargains.
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Price ceiling for beginners: the simplest way to start
New to investing? Learn what a price ceiling is, how to compute your first one from a dividend and target yield, and the mistakes to avoid.
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How to avoid overpaying for stocks with a price ceiling
A five-step routine to set a maximum price before you buy, measure the premium to your ceiling, and spot the warning signs of overpaying.
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What percent of income should you invest each month?
See what investing 10%, 15%, or 20% of take-home pay looks like in dollars and over 20 years, and how to step up your rate over time.
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Investable income vs monthly investment: what is the difference?
Investable income is your capacity; monthly investment is your decision. Learn how to compare the two and set a sustainable contribution.
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Gordon growth price ceiling: valuing a growing dividend
Use the Gordon growth model to estimate a price ceiling from the next dividend, required return, and growth rate, plus a sensitivity table.
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Historical dividend yield ceiling: using a stock’s own average
Set a price ceiling from a stock’s historical average dividend yield, with a five-year example and a warning about yield traps.
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Rebalancing with monthly contributions (no selling needed)
Rebalance your portfolio by directing new money to underweight asset classes. Formula, a 60/40 example, and when contributions alone are not enough.
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Target allocation explained: where should each dollar go?
Understand target allocation, how to choose percentages, and how to measure drift and direct monthly contributions with a worked dollar example.
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Margin of safety for buyers: how big should it be?
Learn how to turn fair value into a buy limit with a margin of safety, how to size it by business quality, and what it costs you in missed buys.
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REIT price ceiling with AFFO: a practical guide
Use AFFO per share and a target yield to set a REIT price ceiling, check dividend safety with the AFFO payout ratio, and avoid common mistakes.
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Graham vs dividend yield ceiling: which one should you use?
Compare the Graham number with a dividend yield price ceiling using one stock example, and learn how to combine them into a single buy limit.
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How to use the contribution simulator (allocate your monthly buy)
Learn to use the contribution simulator: asset-class split, target allocation, a practical example, and a free tool to plan buys.
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How much to invest monthly: the 50/30/20 rule explained
Find how much to invest each month with the 50/30/20 rule: formula, income percentages, a practical example, and a free calculator.
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How to calculate a Graham price ceiling
Learn Graham price ceiling: EPS, book value, √(22.5 × EPS × BVPS), a practical example, and when to use it alongside income ceilings.
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How to calculate a dividend yield price ceiling
Learn an income price ceiling for stocks and REITs: annual dividend, target dividend yield, and margin of safety. Includes a practical USD example and free calculator.
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How to calculate investable income (what is left to invest)
Learn how much of your income is left to invest: monthly surplus formula, contribution target, a practical example, and a free calculator.
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