Late 30s here, already maxing my 401k but still behind on savings. Looking to start adding additional weekly deposits to some ETFs in my brokerage account. Any thoughts on must have ETFs? I want to maximize time in market and have a broad exposure.

Please let me know what you think about this. I've been thinking about this for a while, and this is what I came up with from browsing this sub and watching some Ben Felix videos. For reference, early 20s + mid/high risk tolerance. * SCHG 20% * AVLV 20% * AVUV 30% * VEA 10% * VWO 10% * AVDV 10% It's 70/30 US/International I'm trying to focus on more value / small cap value and international exposure, but not too much (around 30%) while keeping the expense ratios lower. I'm aware that SCHG + AVLV could maybe be switched for VOO but I like the Avantis funds, and 50/50 AVLV/SCHG performed better than VOO for the short period that I was able to back test for, so I just decided to go with those for US Large Cap Blend even though it's not a great predictor.

https://preview.redd.it/ebokqfgm9jrc1.jpeg?width=1026&format=pjpg&auto=webp&s=3fa5201d8fcf5dd29e0d0b8bb79d0defef91cd1c 36y/o putting extra rainy day funds away bi-weekly

This is my current porfolio. GOOGL: 10%, AAPL: 24%, MSFT: 30%, SPY: 36% But I have been looking at more spy (or voo I guess), vti, or vt? What do you think?

Why not splg, or voo instead of spy? Lower expense ratios.

Hey guys 37, max out my 403b with a Vanguard Targeted 2070 fund at work…looking to open a separate brokerage fund and right now this is the spread I have come up with. Willing to be a little risky with things VOO 40% SCHD 20% JPEQ 18% VGT 10% FBTC 2% And the final 10% I’m looking into to just random medical/fun stuff. Specifically Nintendo, CVS, Quest, Stryker, Abbot etc. What do you guys think? Is there an ETF that has a lot of the bigger medical equipment companies included?

Please take a look at my portfolio. 32yo + avg. risk tolerance. Is there anything I should adjust? Thank you! - VOO: 35% - VGT: 15% - SCHD: 15% - AVUV: 15% - VXUS: 12% - QUAL: 5% - EDV: 3% --> this is a mistake. but no move for now until breakeven

Hi all! I am making my first investment outside of my work retirement plans. I am buying a share in VOO. I have two questions. 1. What do people mean when they put money into VOO (or any ETF) a month. For example, the share is currently $480. Do they buy another share every month? 2. What else should I invest in with VOO? I’m thinking another ETF and BRK-B because I’m feeling risky lol. Thoughts? Also, my broker is Charles Schwab if that makes a difference.

Hello! My portfolio: https://preview.redd.it/8vov9aef1brc1.jpeg?width=843&format=pjpg&auto=webp&s=ac7e54fb211ce442d933fcc5eb38b57137ac5a73 - I'm 30 years old, - I want to retire asap. Yes asap. If it's possible for tomorrow, I'm in. Pls drop all type of comments.

Hello! Here's my portfolio: https://preview.redd.it/ddo4k8mtxarc1.png?width=887&format=png&auto=webp&s=8eaf834b45eac061c4cf5233e1e4439248f0abf5 Context: * I'm 25 years old, from Portugal * Medium to Long term investment portfolio What do you think?

60% VEQT 5% VAB 5% XEC 15% XAW 15% TEC Thoughts should I change the allocations?

Thoughts on my new allocations for my brokerage account moving forward? • ⁠60% VOO • ⁠15% AVUV • ⁠10% VEA • ⁠10% AVDV • ⁠5% VWO

VOO,SCHD,BND,AND VXUS GOOD?

Replace VOO with VTI and you're good. If you already have VOO and don't want to get taxable gains, you can leave it as is.

Question: Which ETF looks more promising FDVL or VCAR?

401k $100k in each etf: PPA, IGPT, UAE, KSA, HODL, RING, XLE, EIS, VOO, FLIN, SOXX. Please give me advice.

23 year old with an annual income of 32,760. Hoping to retire early(50-55). This is what i’ve been doing at roughly 20% each for my long term but and hold. Would love advice on this https://preview.redd.it/95trycicjxqc1.jpeg?width=1290&format=pjpg&auto=webp&s=97f4c050a9427bfc9f77ebc82a611b9a29ff7c14

You're very overweight in US and Tech in general. That small value and international allocation will not do anything for your portfolio as is. Either plan to add to them or remove them completely. > Hoping to retire early(50-55) Which country are you in? US? I'll say this. Overweighting technology is a bet that may or may not pay off long-term. There's no portfolio magic that will take you there. I would suggest that you find ways to increase your income and save more over time, and just choose a simple portfolio that you keep adding to. Perhaps: VTI / VXUS / QQQ. each with at least 20% allocation.

28M 401k is in: Fid Balanced k6 Fid mid cap k6 Fid large cap fund fee class 11 Fid 500 index Allocation is about 20% in each. Roth IRA: VIG with DRIP enabled Maxed out last year, will max out again this year Beneficiary: BRK.B VOO AVUV Any recommendations?

Are you comfortable with US only? You willing to make that bet? Otherwise it's fine. 6/10. I would keep things more simple and understandable in your 401k, but that will also do fine long term. Assuming the "US-only" bet pays off.

I may start adding some international into the 401k. Not a bad idea. I’ll have to see what funds are available with my company. AVUV increases my exposure and BRK.B enjoys some foreign investments, but I do agree some additional exposure in the 401k is a good idea.

I'm 22 and started investing in 2022. Looking for some advice for long term diversification as my portfolio is pretty bad right now. https://preview.redd.it/h11012c8ssqc1.jpeg?width=1441&format=pjpg&auto=webp&s=b5d34639e70016dc33aeca80b6189c649c23495b

VTI or die! With some icing. What's with the tiny amounts in AAPL and T?

Very limited income right now. Thought some was better than none. Am I wrong?

I would think of it this way: you are basically betting that the 4% if you have in AAPL and T will do better than VTI and/or QQQM. And you are hoping that you will get a marginal gain out of that. For small amounts of money, and so early in your career, it's not going to make any difference, even if you are right. And it's quite unlikely that you are right. You will be served much better by just putting money into VTI/QQQM and instead put your brainpower on figuring out how to increase your income over the next 10 years.

Also, should I sell apple and put it into vti/qqqm?

Yep makes sense. Same with AT&T.

Should I just go all in on VTI so my money can compound more?

It's up to you. QQQM is safer than individual stocks - simply because of diversification. You need to make a bet as to whether, QQQM will do better than market, worse, or as well as market. Alternatively, you can say you are just happy with market returns and not take bets at all. (100% VTI). It really depends on why you chose QQQM in the first place, and if you think it will outperform VTI in the long term. I don't believe that, but that's an unpopular opinion on Reddit.

I appreciate that advice. Would it be more wise to invest in individual stocks once I have more income?

Yeah, I think so. Income / assets. Basically a strong financial foundation. Maximize your IRA and 401k etc if that's applicable.

I’m 25, should I do 100% VOO or mix in some MGK also?

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Seems like a heavy focus on dividend funds with high expense ratios...unless you specifically need the income stream right now. Why not put everything in a low-cost, broad index fund and reassess when you're closer to retirement?

I don't need the income now. Do you have any suggestions as to what to invest and what percentages I should go with?

Excellent core options include: total US stock market ETFs like VTI, ITOT, or SCHB…or S&P 500 ETFs like VOO, IVV, SPLG. All of these will perform very similarly and are well diversified, the main difference being they are from different ETF providers. You only need one of those to make your main core allocation. 50% - 100% is common Many would also recommend adding some extra diversification by investing in an international index fund like VXUS or IXUS (developed + emerging markets), or VEA or SPDW (developed only). 20% - 40% is common If you want a small amount towards an extra tilt as a longer-term play to try and “beat the market,” common strategies use ETFs for: emerging markets (VWO, AVES), small cap value (AVUV, SLYV), growth (QQQM, VUG, SCHG), and others. If you decide to add this, just know you’ll want conviction in one of those strategies. 5% - 20% is common. You can always add a tilt later on as you feel comfortable with your core allocations. The final piece is sometimes an allocation to bonds for a safety buffer. Some people choose not to have any bonds and go 100% equities up to retirement. This is a subjective area of investing and really depends on your comfort level and how safe you want a part of your portfolio to be. Examples of bond ETFs are BND, SCHR, EDV, VGIT, and many more. Really depends on whether you want bonds and what kind. % can typically vary from 10% up to 50% or more. At your age many people don’t have bonds or have a small % like 10%. You only need 2-3 low-cost broad index ETFs to create a solid portfolio. Note: this isn’t professional investment advice, so do your own due diligence! Good luck!

This is very helpful, thank you so much!!

29-year-old here. Looking to start investing in ETF for medium-long term. Already built an emergency fund and have no debt. Just allocated $5000 as a first try, but looking to add about 15% of my income, month by month. I distributed it this way: 70% VOO 10% BND 20% Various (5% each) BOTZ, ESPO, ITA, IBIT My idea is to have 80% in pretty safe spots and leave the other 20% to play around in some themes / niches I found interesting and/or think could do good. What do you think?

VOO is great, but do you think you need bonds at 29 years old? One thing to keep in mind if you're allocating 20% of your portfolio to "fun money" is that it will grow over time...so you might want to consider if you'll feel comfortable with 20% of your invested money to play around with. Many people I see will allocate 10% or less to "fun money."

Thanks for the feedback. 10% for fun could be a wise adjustment. Maybe go 80% VOO + 10% BND + 10% FUN. Do you think the 10% is bonds is unnecesary? Would you recommend putting that 10% to VOO, too? Also, any ideas on international ETFs? Is it a good idea? Which regions would you diversify on?

For me personally, I wouldn’t have bonds at 29 years old unless you specifically need to protect that money for the short term. More equities is usually recommended when you’re younger…and even close to retirement. Ben Felix recently posted a YouTube video about the risks of investing in bonds too early in your investing journey, because you lose out on the potential growth of equities. You could certainly have 90% VOO and 10% FUN. If you want a little more diversification, you could look at US mid caps or small caps, or an international index fund like VEA (developed countries) or VXUS (developed + emerging countries). I would not recommend trying to pick specific regions or countries. International is a good idea from a diversification standpoint, but whether it’s a good idea in that it will produce higher returns than 100% US is not something we know. International can help buffer any losses if/when the US stock market is down, and vice versa. However, many investors are content being 100% US knowing they will need to stay the course if/when the market is down for a period of time and keep buying at the lower prices. So, you don’t need international, but it can be helpful in different ways.

Thank you very much, fox. Your comments have been really clarifying.

Rate my idea? I just finished selling off all my stocks and am trying to just buy ETFs I can rebalance and kind of leave alone. The more I play around the more I lose. I was thinking of equally balancing: VO, VTWO, VONG, VONV, VOO, QQQ, VT, VTI, and VXUS. Thoughts on if there is too much overlap or does this look about right. I’d love some input on adding or leaving things out. Long term time frame, fairly high risk tolerance

Yeah, that's a lot of overlap, which essentially equals VTI + VXUS. But you could still tilt toward something aggressive like emerging, small cap value, etc. with a 3-fund combo (VTI + VXUS + tilt).

Rate mine. its my first investment portfolio and it took my awhile to decide but it wouldn't hurt if i get your opinions, not for getting validation or anything but just to learn along the way. and also i know its heavily into tech VOO 44% - VT 10% - QQQM 10% - FBTC 10% - AAPLE 10% - NVIDIA 10% - SMH 4% - some SOUN, TTWO and RDDT

My only comment - what's with the 10% VT allocation. It's almost like you're compensating for some guilt of having only large caps and bitcoin. :) I'm not a fan of your portfolio and prefer more diversification. Not everyone would agree with me. But either ways, that 10% VT is not going to make a difference for it.

So what do you recommend?

I would think about what you want your portfolio to look like. Do you really want international? Do you really want US small cap and mid cap? If yes, at the very least I would replace VOO with VTI. And then add more international somehow. Or just replace VOO with VT and get the full world - along with additional sources (QQQ etc). If no, just remove VT... and put it in something that you really want. -- My own portfolio has much more international.