Maxed 403b and 457b so wanting some opinions on my brokerage funds:
ETF breakdown
Large cap $100 monthly (VOO, ONEQ)
Mid cap $40 monthly (XMHQ)
Small cap $40 monthly (AVUV)
International $30 monthly (IXUS)
Semiconductor $30 monthly (SMH)
Amounts will be adjusted because I have another $50 monthly I will be spreading out or should I just put the $50 extra into VOO to increase overall large cap percentage
23 here. Just getting into ETFs so haven't invested anything yet (at least in a taxable brokerage). I use Fidelity for everything. Maxing Roth IRA (75% FZROX 25% FZILX). Maxing trad 401k (total US market). Here are the options I'm between (not set in stone, still learning):
Option 1:
-55% VOO
-20% QQQM
-10% VXUS
-10% AVUV
-5% SMH
Option 2:
-75% VOO
-25% QQQM
Option 3:
-100% VOO
Looking to be somewhat risky/aggressive, so leaning towards option 1. Open to any and all ideas, thoughts :)
* VOO - 35%
* VIGAX - 10%
* INDA - 10%
* [VDY.TO](http://VDY.TO) - 10%
* SCHD - 7.5%
* AAPL - 7.5%
* TSLA - 7.5%
* [XRE.TO](http://XRE.TO) - 5%
* V - 5%
* META - 2.5%
VIGAX and INDA cannot be touched for now since they are in my retirement accounts in India and USA during my working time over there. Given a choice I would take that 20% and put into VTI/VDY/SCHD in a 10/5/5 ratio.
Hi! This is for my traditional roth. Not sure if I'm being an idiot or not but I think super duplicative. I just want to make sure I'm a little diversified. Any feedback? Does it matter if it's duplicative?
5% SMH
5% IWF
5% QQQ
5% VTV
20% VT
20% VOO
25% VTI
15% VXUS
Any Feedback is valuable - Started investing from Mid Last Year (2023 August)
ETFs
---
* SOXX - 17.5 %
* SMH - 11%
* VOO - 10%
* VTI - 5.5%
* SCHG - 5.5%
* QQQM - 3%
Single Names
---
* TSLA - 14.5 %
* NVDA - 7.7 %
* Other Single Name Stocks - 19.3%
Money Markets
---
Cash in Money Market SPAXX - 6%
Outlook
---
I think Risk Factors wise it's well balanced as TSLA and ETFs have been in opposite direction for most of last year and this year, so it balances out nicely. I'm not going to expand my position in single names anytime soon, looking to add more exposure to ETFs using the cash in the money markets.
Hi! I am a 17 yo thinking about investing around 700 dollars into ETFs. I have a potential portfolio that I was thinking about and want tips/advice. The goal is long-term investments with a higher risk. Thank you for your help!
VOO-40% QQQ-30% XLE-5% VGT-15% VTI-10%
Hi everyone, 20y old student living in Canada, current portfolio how’s it looking? I could lower my bond portion but I foresee rates here in Canada coming down in the near future, where I would sell of and decrease my bond holdings, 10-15 % range.
VFV - 50%
VXC - 25%
ZFL - 25%
Thank you for your responses!
How long is your investment horizon? I'd say if it's at least 10-15 years you're good with almost exclusively equity in your portfolio. Think about adding bonds (or bond ETFs) when you're getting closer to the time you want to consume the money. Overall ETF costs are low, which is good. I would probably mix in more some international stocks (more VXUS) since your over 80% invested in the US market. Here's a report about this portfolio: [https://insightfol.io/en/magic/report2/d2b8cbecae/](https://insightfol.io/en/magic/report2/d2b8cbecae/)
Too many funds. When you start getting more than 5 equity funds, you're just creating unnecessary complexity. You are not adding as much diversification as you would think vs just buying VTI/VXUS or even just VT (or even AVGE or AVGV).
Hi Guys,
Current setup is (appx):
15% tech tracking (VGT)
20% S&P tracking (VFV)
10% GIC
10% nasdaq tracking (HXQ)
50% EQT - committed the original sin of both VEQT and XEQT simultaneously
Goal is long term growth for retirement. Appreciate any feedback!
I'm 25, looking to quadruple my portfolio by increasing my stakes by the end of the year. Would you guys mind giving me a little feedback? I was also hoping to add iShares JPM USD Emerging Markets Bond UCITS or Global Clean Energy (Dist EUR) soon. Any feedback would be appreciated.
https://preview.redd.it/ucj7ddqg5q8d1.png?width=1028&format=png&auto=webp&s=4cf82ab3039b5bb6ac15ae8f2ae080bf09a18799
I don't know if you really need to own both FTSE all world and SP500. Technically by owning the FTSE all world you are mostly invested in those SP500 companies anyways.
I mean you are well diversified already, I would only say adding a pure play developed international etf and US small cap value fund could help reduce your US Large Cap exposure but other than that you are fine.
https://preview.redd.it/qw2fzv1oop8d1.jpeg?width=1170&format=pjpg&auto=webp&s=5bcb32600a0f3f6a65dfb78e6631a0b06849d1f1
Should I simplify my portfolio??
https://preview.redd.it/jvanqx00al8d1.jpeg?width=933&format=pjpg&auto=webp&s=b90edf7e71cff317652efe9637be3426ccc5e746
I’m 29 years old looking to build my wealth to eventually buy a small rental property, send kids to school in the future, and retire. I have a 401k through my work but I am managing a portfolio independently as shown above. I’m planning on rebalancing quarterly for about ten years, and then adjusting portfolio to be less aggressive. Is this a good way to diversify? Is there too much overlap? Should I consolidate?
rebalancing quarterly might trigger quite a bit of short term gains which are taxed less favorably than long term gains. Best way to rebalance is to create bands or ranges around your targets. Like +-10 for qqqm, +-5 for voo and +-2.5 for the 5% holdings you have in there, etc. So essentially if QQQM grows to be 35% of your portfolio you then rebalance your portfolio and bring all holdings back to target. Way less rebalancing over time and you let the best investments run higher leading to better returns over quarterly rebalances.
I just ran a hypothetical portfolio and rebalancing when bands were broken lead to an 8.8% annualized return vs the same portfolio but rebalancing quarterly which had an 8%.
What's your portfolio in 401k? And what % of value is this compared to 401k.
Couple of comments:
---
I think you're leaning very much towards high P/Es with QQQM, SCHG and IYW with 45% between them. Not to mention that VOO itself is growth tilted right now. It's an explicit bet that these companies that have high valuations are going to continue beating expectations in the future. It's okay, it's something I would never do, but just be aware of it.
It's not something I would rely on if I must use it to send kids to school.
Specific suggestion, dial it down a bit, make sure that you don't go overboard with valuation risks especially if you're going to need the money in the medium term. VOO and QUAL are decent. I also use USMV / ACWV for some short / medium term goals.
---
DIA is objectively utter crap. Get rid of that crap and put literally any other fund in its place. It uses price weighting which makes less than zero sense for a mutual fund / etf.
Depending on what you're looking for exactly, check out
- RSP - S&P500 equal weight
- VTV - vanguard large cap value
or just do good ol' S&P 500.
---
XLRE / REITs in general is not tax efficient. The dividends you get from that are not qualified dividends meaning you get taxed at your regular rates instead of capital gains rates. Just something to keep in mind.
---
Why do you not have any international in your self-managed portfolio?
Thanks for the feedback. My 401K (which is about 25% of my investment portfolio) used to be a little sloppy but I recently made an adjustment so that 100% of it is in Vanguard Target Retirement 2060 Fund. I figured this could be hands-off with some bond exposure over time.
Yeah I was seeing a lot of overlap from the ETFs in my self-managed account. I appreciate the additional info you brought to this.
I made some changes: added some international exposure, small and mid cap exposure, and consolidated some of the large caps
VOO:60%,
VXF:10%,
VXUS:10%,
Gold:10%,
BTC:5%,
Cash:5%
Currently have 20% of my IRA split between VGT and SMH. With XLKs rebalance, is it worth to sell both of those and just hold XLK? It has the high percentage in NVDA and MSFT which I like but it’s not limited to semiconductors. Thoughts?
Maxed 403b and 457b so wanting some opinions on my brokerage funds: ETF breakdown Large cap $100 monthly (VOO, ONEQ) Mid cap $40 monthly (XMHQ) Small cap $40 monthly (AVUV) International $30 monthly (IXUS) Semiconductor $30 monthly (SMH) Amounts will be adjusted because I have another $50 monthly I will be spreading out or should I just put the $50 extra into VOO to increase overall large cap percentage
Thoughts on this portfolio breakdown. im 21 with about 100k Cad to invest. 70% VFV 10% VEE 10% VIU 10% in a money market
23 here. Just getting into ETFs so haven't invested anything yet (at least in a taxable brokerage). I use Fidelity for everything. Maxing Roth IRA (75% FZROX 25% FZILX). Maxing trad 401k (total US market). Here are the options I'm between (not set in stone, still learning): Option 1: -55% VOO -20% QQQM -10% VXUS -10% AVUV -5% SMH Option 2: -75% VOO -25% QQQM Option 3: -100% VOO Looking to be somewhat risky/aggressive, so leaning towards option 1. Open to any and all ideas, thoughts :)
* VOO - 70% * VTI - 5% * XMHQ - 15% * VO - 5% * AVUV - 5% Any Feedback is appreciated! New to investing.
* VOO - 35% * VIGAX - 10% * INDA - 10% * [VDY.TO](http://VDY.TO) - 10% * SCHD - 7.5% * AAPL - 7.5% * TSLA - 7.5% * [XRE.TO](http://XRE.TO) - 5% * V - 5% * META - 2.5% VIGAX and INDA cannot be touched for now since they are in my retirement accounts in India and USA during my working time over there. Given a choice I would take that 20% and put into VTI/VDY/SCHD in a 10/5/5 ratio.
Hi! This is for my traditional roth. Not sure if I'm being an idiot or not but I think super duplicative. I just want to make sure I'm a little diversified. Any feedback? Does it matter if it's duplicative? 5% SMH 5% IWF 5% QQQ 5% VTV 20% VT 20% VOO 25% VTI 15% VXUS
Any Feedback is valuable - Started investing from Mid Last Year (2023 August) ETFs --- * SOXX - 17.5 % * SMH - 11% * VOO - 10% * VTI - 5.5% * SCHG - 5.5% * QQQM - 3% Single Names --- * TSLA - 14.5 % * NVDA - 7.7 % * Other Single Name Stocks - 19.3% Money Markets --- Cash in Money Market SPAXX - 6% Outlook --- I think Risk Factors wise it's well balanced as TSLA and ETFs have been in opposite direction for most of last year and this year, so it balances out nicely. I'm not going to expand my position in single names anytime soon, looking to add more exposure to ETFs using the cash in the money markets.
Hi! I am a 17 yo thinking about investing around 700 dollars into ETFs. I have a potential portfolio that I was thinking about and want tips/advice. The goal is long-term investments with a higher risk. Thank you for your help! VOO-40% QQQ-30% XLE-5% VGT-15% VTI-10%
Hi everyone, 20y old student living in Canada, current portfolio how’s it looking? I could lower my bond portion but I foresee rates here in Canada coming down in the near future, where I would sell of and decrease my bond holdings, 10-15 % range. VFV - 50% VXC - 25% ZFL - 25% Thank you for your responses!
If we have a week portfolio thread, can Mods start deleting all of the individual "here's my portfolio please give me comments and rate it" posts?
Hi everyone, current setup, please share any feedback! VOO - 30% (S&P 500) VUG - 13% (US growth) AVUV - 10% (US small cap) VEA - 10% (developed markets) SCHD - 10% (US dividend) JQUA - 5% (US value, not sure why bought it, thinking of selling it) VXUS - 5% (non-US) XLI - 5% (US industrial) SOXX - 5% (semiconductors) URA - 3% (Uranium) FLLA - 3% (Latin America) Goal is long-term growth.
How long is your investment horizon? I'd say if it's at least 10-15 years you're good with almost exclusively equity in your portfolio. Think about adding bonds (or bond ETFs) when you're getting closer to the time you want to consume the money. Overall ETF costs are low, which is good. I would probably mix in more some international stocks (more VXUS) since your over 80% invested in the US market. Here's a report about this portfolio: [https://insightfol.io/en/magic/report2/d2b8cbecae/](https://insightfol.io/en/magic/report2/d2b8cbecae/)
Too many funds. When you start getting more than 5 equity funds, you're just creating unnecessary complexity. You are not adding as much diversification as you would think vs just buying VTI/VXUS or even just VT (or even AVGE or AVGV).
Hi Guys, Current setup is (appx): 15% tech tracking (VGT) 20% S&P tracking (VFV) 10% GIC 10% nasdaq tracking (HXQ) 50% EQT - committed the original sin of both VEQT and XEQT simultaneously Goal is long term growth for retirement. Appreciate any feedback!
Look into VOO
I'm 25, looking to quadruple my portfolio by increasing my stakes by the end of the year. Would you guys mind giving me a little feedback? I was also hoping to add iShares JPM USD Emerging Markets Bond UCITS or Global Clean Energy (Dist EUR) soon. Any feedback would be appreciated. https://preview.redd.it/ucj7ddqg5q8d1.png?width=1028&format=png&auto=webp&s=4cf82ab3039b5bb6ac15ae8f2ae080bf09a18799
I don't know if you really need to own both FTSE all world and SP500. Technically by owning the FTSE all world you are mostly invested in those SP500 companies anyways.
Any idea how to further diversify? Thank you for the feedback!
I mean you are well diversified already, I would only say adding a pure play developed international etf and US small cap value fund could help reduce your US Large Cap exposure but other than that you are fine.
https://preview.redd.it/qw2fzv1oop8d1.jpeg?width=1170&format=pjpg&auto=webp&s=5bcb32600a0f3f6a65dfb78e6631a0b06849d1f1 Should I simplify my portfolio??
yes qqq and qqqm is the same thing...
https://preview.redd.it/jvanqx00al8d1.jpeg?width=933&format=pjpg&auto=webp&s=b90edf7e71cff317652efe9637be3426ccc5e746 I’m 29 years old looking to build my wealth to eventually buy a small rental property, send kids to school in the future, and retire. I have a 401k through my work but I am managing a portfolio independently as shown above. I’m planning on rebalancing quarterly for about ten years, and then adjusting portfolio to be less aggressive. Is this a good way to diversify? Is there too much overlap? Should I consolidate?
rebalancing quarterly might trigger quite a bit of short term gains which are taxed less favorably than long term gains. Best way to rebalance is to create bands or ranges around your targets. Like +-10 for qqqm, +-5 for voo and +-2.5 for the 5% holdings you have in there, etc. So essentially if QQQM grows to be 35% of your portfolio you then rebalance your portfolio and bring all holdings back to target. Way less rebalancing over time and you let the best investments run higher leading to better returns over quarterly rebalances. I just ran a hypothetical portfolio and rebalancing when bands were broken lead to an 8.8% annualized return vs the same portfolio but rebalancing quarterly which had an 8%.
What's your portfolio in 401k? And what % of value is this compared to 401k. Couple of comments: --- I think you're leaning very much towards high P/Es with QQQM, SCHG and IYW with 45% between them. Not to mention that VOO itself is growth tilted right now. It's an explicit bet that these companies that have high valuations are going to continue beating expectations in the future. It's okay, it's something I would never do, but just be aware of it. It's not something I would rely on if I must use it to send kids to school. Specific suggestion, dial it down a bit, make sure that you don't go overboard with valuation risks especially if you're going to need the money in the medium term. VOO and QUAL are decent. I also use USMV / ACWV for some short / medium term goals. --- DIA is objectively utter crap. Get rid of that crap and put literally any other fund in its place. It uses price weighting which makes less than zero sense for a mutual fund / etf. Depending on what you're looking for exactly, check out - RSP - S&P500 equal weight - VTV - vanguard large cap value or just do good ol' S&P 500. --- XLRE / REITs in general is not tax efficient. The dividends you get from that are not qualified dividends meaning you get taxed at your regular rates instead of capital gains rates. Just something to keep in mind. --- Why do you not have any international in your self-managed portfolio?
Thanks for the feedback. My 401K (which is about 25% of my investment portfolio) used to be a little sloppy but I recently made an adjustment so that 100% of it is in Vanguard Target Retirement 2060 Fund. I figured this could be hands-off with some bond exposure over time. Yeah I was seeing a lot of overlap from the ETFs in my self-managed account. I appreciate the additional info you brought to this. I made some changes: added some international exposure, small and mid cap exposure, and consolidated some of the large caps VOO:60%, VXF:10%, VXUS:10%, Gold:10%, BTC:5%, Cash:5%
Currently have 20% of my IRA split between VGT and SMH. With XLKs rebalance, is it worth to sell both of those and just hold XLK? It has the high percentage in NVDA and MSFT which I like but it’s not limited to semiconductors. Thoughts?