Nvidia (NVDA)Invest $50,000 and keep renting
Investments + cash saved
$588,252
Modeled wealth using five-year historical returns
June 2021–June 2026
Aim for
financial
independence.
I’m developing Alpha Investment Management with young professionals like you in mind. Before launch, I’d love to hear what you find confusing about investing—and what kind of support you would value.
Share your perspective01 / THE IDEA
You’re building your future.
Let’s talk about your money.
You’re building a life you’re excited about. What role do you want your money to play?
I’m developing AIM with professionals in their 20s and 30s in mind, and I’d like your input on what would make financial guidance useful to you.
02 / MEET ADAN
A real person.
A clear conversation.
A little bit about me.
Adan Salcedo, CFA, CPA
UCLA graduate Harvard MBA
- CFA charterholderChartered Financial AnalystA professional designation focused on investment analysis, portfolio management, and ethics.
- CPACertified Public Accountant
Hi, I’m Adan. I’ve worked in accounting at EY, mergers and acquisitions at BDO, and strategy consulting at Boston Consulting Group.
I’ve been investing in the stock market for more than 20 years. I graduated with Latin honors in Business Economics from UCLA and earned my MBA at Harvard Business School. My aim is to make financial conversations approachable and connect your money decisions to the life you want to build.
For now, I’d welcome your perspective as I develop the business. Your experiences and feedback can help shape what comes next.
03 / EXPLORE POSSIBILITIES
See how your
money could grow.
Move the sliders to explore how your starting amount, monthly savings, time, and assumed return could work together.
Assumes a hypothetical 6% annual return. Not a forecast.
$0$100,000
$0$2,500
1 year40 years
0%15%
Monthly contributions are money you add, on top of your starting capital.
Your contributionsModeled investment gains
Your contributions—Starting capital + monthly deposits
Modeled investment gains—Growth beyond what you put in
Modeled total—After 20 years
Simulator assumptions & calculation (expand for details)
The simulator applies the annual effective return you choose, held constant for the full period. It starts at 6%, with a selectable range of 0%–15% in 0.5 percentage-point steps. The monthly rate is (1 + annual return)1/12 − 1, with the annual return expressed as a decimal (for example, 0.06 for 6%). Each month, the existing balance grows and then your monthly contribution is added at month-end. Starting capital is invested at the beginning. Contributions = starting capital + monthly deposits × months. Modeled gains = ending balance − contributions. All balances and gains remain invested; nothing is withdrawn.
The blue area represents your own contributions, including starting capital. The gold area represents modeled investment gains; the top line shows their combined value. Dollar amounts are nominal, rounded to the nearest dollar. Taxes, investment/advisory fees, inflation, and changes in contributions are excluded.
The selected rate and the slider’s range are modeling choices, not expected returns, a historical return series, an AIM portfolio result, or recommendations. This simulator is separate from the historical stock-and-housing example above. Actual markets fluctuate and may lose money; a smooth, positive curve does not show volatility or the range of possible outcomes. No inputs are saved or sent to AIM.
04 / HISTORICAL ILLUSTRATION
Start with $50,000.
What could it grow into?
See what a $50,000 starting point plus ongoing savings could have built over five years. These modeled historical examples include housing costs and cash saved along the way. Explore your own possibilities in the simulator above.
S&P 500Invest $50,000 and keep renting
Investments + cash saved
$178,843
Modeled wealth using five-year historical returns
June 2021–June 2026
CA home + rentalUse $50,000 to buy; live in part and rent out the rest
Home equity after sale + cash saved
$155,164
Modeled wealth using five-year historical returns
June 2021–June 2026
Assumptions, calculations & sources (expand for details)
The same $50,000 starting point
A fixed, hypothetical comparison for a professional choosing between investing and buying a modest property. Only the homeowner receives rental income. The stock investor pays rent to a landlord and does not own a rental property. This is not a forecast, a claim about an average California buyer, a property listing, or a loan offer.
| Assumption | What is included |
|---|---|
| Starting cash | $50,000 available to deploy, after setting aside separate emergency savings. Stocks invest the full amount. Housing uses $40,000 as an 8% down payment and $10,000 for purchase costs (2% of the price). A full $50,000 down payment plus those costs would require $60,000, so it is not used here. |
| Home and mortgage | Illustrative $500,000 property, with $460,000 borrowed over 30 years at a fixed 3.5% nominal annual rate. Monthly principal and interest: $2,065.61. The price is a scenario choice, not a California median or an assurance of a suitable property at that price. No HOA is assumed. |
| Rate and mortgage insurance | The 3.5% mortgage rate is an illustrative 2021-era financing assumption, not today’s rate or a promised rate for an 8%-down borrower. For context, Freddie Mac reported a 3.02% average with 0.7 point on June 24, 2021, for excellent-credit borrowers putting 20% down. This example assumes all lender fees and points fit within the $10,000 purchase-cost budget. PMI is assumed at 0.5% of the original loan annually ($191.67 monthly), held constant for all five years; no early cancellation or refinancing. |
| Equal monthly funding | $3,500 set aside each month in every scenario. Over five years, each receives $210,000 beyond the initial $50,000: $260,000 total cash provided. This budget is a modeling choice, not a claim about what every prospect earns or can afford. Mortgage qualification and required reserves are not modeled. |
| Stock investor’s housing | Pay $2,036 monthly rent, including utilities, using California’s 2020–2024 median gross rent as a benchmark rather than an observed June 2021 rent. The remaining $1,464 per month accumulates as cash, totaling $87,840. The stock investor receives no rental income. |
| Homeowner’s housing | Live in 75% of the property and rent out 25%. That occupied space must meet the same person’s housing needs; location, size, and acceptability may differ from renting. No separate rent elsewhere and no extra imputed-rent credit are added. Rentable space is assumed to exist, be permitted, and need no construction or conversion. |
| Rental income | Assume annual whole-property rental value of 4% of the original price, allocated to the 25% rented portion: $416.67 gross per month. After 5% vacancy and an 8% management fee on collected rent: $364.17 per month. This is a fixed assumption, not measured California room-rental income. |
| Other ownership costs | Annual property tax 1.2%, insurance 0.4%, and maintenance expenses 1.0%, all on the original whole-property value, plus $250 monthly utilities for the whole home. These total $1,333.33 monthly, counted once. Maintenance is treated as money spent, not an unspent reserve. Costs are held constant; no tax-assessment increases are modeled. |
| Monthly homeowner cash flow | Mortgage $2,065.61 + PMI $191.67 + other ownership costs $1,333.33 − rent collected $364.17 = $3,226.44 net housing outflow. Unspent housing allocation: $273.56 monthly, or $16,414 over five years. |
| Sale and mortgage payoff | Home value grows 17.31% to $586,550. Selling costs are 6%, leaving $551,357 before repaying the loan. Mortgage balance after 60 payments: $412,607. Net sale equity: $138,750. Principal payments reduce the loan balance; they are not added to wealth a second time. |
| Dividends and spare cash | Stock dividends use assumed annual cash yields of 0.1% for NVDA and 1.5% for the S&P 500 on the initial $50,000: $250 and $3,750 over five years. These are not measured dividend histories. Dividends and all unspent monthly money are held as cash at 0%; no additional stock purchases or reinvestment. |
How the ending wealth is calculated
Stocks: $50,000 × ending price ÷ starting price + assumed cash dividends + $87,840 of accumulated housing-budget cash. Home + rental: appreciated sale value − sale costs − remaining mortgage + $16,414 of accumulated housing-budget and rental cash. The cards show modeled net wealth after housing, not investment-only returns. All three receive the same total funding; only where it is spent or retained differs. Bars compare ending values from a common zero baseline, not the path between dates.
Historical window: Q2 2021–Q2 2026. Stocks use June 30 closing prices; housing uses quarterly observations. NVDA: split-adjusted $20.0025 to $200.09, excluding dividend adjustments. S&P 500 price index: 4,297.50 to 7,499.36. California housing: FHFA seasonally adjusted purchase-only index appreciation of 17.31%. The specific hypothetical property is assumed to track that state index; its actual appreciation could differ. Household costs, income, and financing are assumptions combined with those historical price changes, not a measured household’s results.
Income and capital-gains taxes, depreciation benefits, HOA fees, inflation, rent growth, moving costs, renovation/construction, stock trading costs, fund expenses, and advisory fees are excluded. No specific property’s rental permission, suitability, insurance availability, financing eligibility, or affordability is verified. Mortgage leverage can magnify gains and losses. Costs and outcomes vary; this is not a complete financial plan.
Not AIM performance, actual account results, a past AIM recommendation, or personalized advice. Past performance does not predict future returns. Investing involves risk, including loss of principal.
- California gross-rent benchmark · U.S. Census Bureau QuickFacts (2020–2024)
- Nvidia June 30, 2021 split-adjusted close: $20.0025 · SEC-filed pricing supplement
- Nvidia June 30, 2026 close: $200.09 · SEC-filed pricing supplement
- California five-year home-price appreciation · FHFA (opens in a new tab)
- Housing index methodology and coverage · FHFA (opens in a new tab)
- June 2021 mortgage-rate context and survey borrower profile · Freddie Mac
- Down payment, purchase costs, and mortgage insurance · CFPB
05 / YOUR PERSPECTIVE
What matters to you?
I’d love to hear.
I’d love to hear what you would value from a future advisory service: where you’d like support, how you’d prefer to work together, and what would help you feel confident taking the next step.
06 / LET’S CONNECT
Let’s connect.
Text me or email me to share your perspective on the planned business or request a launch update. If you’d like to talk, I’d welcome a general feedback conversation—there’s no obligation to become a client.
I’m based in Downtown Los Angeles (DTLA) and can meet in surrounding areas. We’ll find a time and place that work for you.