📈 Rate My Portfolio Weekly Thread | July 19, 2021
By - AutoModeratorETFs
29M Started investing last week.
Hey guys, I’m 23 and wondering about how good my index etf portfolio is. I am depositing $1000 a month until my Tfsa is maxed out. I’m not looking to touch the money until I retire (\~40 years) and I have roughly $20 100 invested as of rn ($19 100 of principal) into my TFSA and even got happy last springtime when covid shocked the markets (dollar cost averaging, I could buy more shares of my indexes at a cheaper price) so I’m more than able to keep my shit together while suffering huge losses. If the markets do go to 0 then I’ve got bigger problems lol. I’m 100% cool with all equity too and as such here is my portfolio:
XQQ 20% - iShares NASDAQ 100 Index ETF (CAD-Hedged)
VDU 30% -Vanguard FTSE Developed All Cap Ex US Index Units ETF
VUN 50% -Vanguard US Total Market Index ETF
Reason for these choices are to get my money into the us market (VUN) and more so into the top performers (XQQ). The other 30% is put into the rest of the world to help with diversification (VDU). The allocation percentages are roughly in line with example portfolios ive seen minus bonds due to not a lot of people feeling comfortable with something this aggressive but I am young and able to take on huge drops in the market.
I’d imagine the first comment would be to switch vdu to viu as I’ve heard it’s better but other than that I think it’s well diversified and set up to make big long term gains. I am open to any input or criticism. I also am primarily looking to invest into CAD index etf’s but would be open to USD ones too. The brokerage I use is wealth simple too but wouldn’t be opposed to other ones either if that information matters.
Before I forgot to mention, I have a rock solid financial foundation. I have no debt at all, have a stable job (even if I didn’t I can still make my bills easily work whilst being on employment insurance) and have an emergency fund set up with 6 months of expenses. Not looking to get a mortgage or go into any other high cost financial pursuits until my Tfsa is maxed out in the very least.
28 years old
110k yearly salary
Started investing last year when I started making above salary, trying to catch up.
Had invested about 20k since 2015 so not too late, but out in little money between 2015 and
2020, or not as consistent.
Goal: retire 25-30 years
Risk tolerance: medium high
Target asset allocation:
Only one fund since I started
Have to pick International:
VEU, VXUS, VT, VEA… learning how to differentiate between the funds and what best to pick for my needs
Max out VTTSX (Target Date 2060), might want to sell and manage myself instead as I want to retire earlier then 2060 and want to lower expense ratio
33 Yrs old / Blessed with a baby boy / retire in 25 yrs.
Goal : Retirement + 2 children’s Higher Education.
Time Frame : 20~25yrs
Risk Tolerance: Medium~High
I am currently invested in below MFs, via SIPs of 1000 usd monthly.
1. Allianz Artificial Intelligenc 25%
2. BGF World Technology 25%
3. Black Rock Sustainable Energy 25%
4. Franklin Biotech Disc Fund 25%
Just started with below ETFs, with 15,000usd Annually (For Next 4-5 Yrs)
1. QQQ - 40%
2. ARKW - 5%
3. ARKQ - 5%
4. SLYG - 10%
5. IEMG - 20%
6. ARKG - 5%
7. VEA - 15%
30 years old, planning to have 2 kids, retire in 25 years.
Goal: build diversify portfolio.
Timeframe: 50% of investment after 10-15 years the other 50% is 20 - 25 years.
Risk tolerance: low to medium.
Planning to enter the market with decent amount of lump sum and then DCA (Would appreciate input on that). At the beginning I want to build the foundation as follows:
VT = VTI + VWO + VEA.
Why do you want all four?
Thanks. I didn't know that.
I re-did my portfolio:
VTI 24.75% - US total market
QQQ 24.75% - US large caps
VWO 12.38% - Emerging markets
ESPO 5.45% - Video games & E-sports
ARKG 5.45% - Genomic
CIBR 5.45% - Cybersecurity
BLOK 5.45% - Blockchain
GDX 5.45% - Gold Mining
SMH 5.45% - Semi-conductors
ICLN 5.45% - Clean Energy
Re-did my portfolio, can I get some feedback?
In the next 2-6 months i'm gonna increase my VO (I just started it recently), and add an REIT ETF like REZ or VNQ
How come no international exposure? And what do you anticipate VO will accomplish for you that VTI won’t?
I’m not interested in international .. VO is for mid cap. VTI is large cap
37 years old, want to retire in 20 years, made poor financial decisions in the past so I only have $40000 saved so far, am adding in $750/mo consistently. I have a small cap value tilt to my portfolio, as well as a general value tilt in my emerging markets allocation.
I have a home bias in Canadian exposure of about +8%. I intentionally underweighted US exposure and overweighted emerging markets, as I believe in the growing middle class/consumerism outside of North America in the future.
10% AVEM (will replace with AVES when it releases in September)
Also have a 10% total portfolio allocation to crypto assets, 50% BTC (BTCX ETF), 50% Ether (ETHX ETF). Trying to make up for lost time with the additional risk of crypto assets.
Anyone have thoughts/comments?
For sure! I hate myself for not starting younger, knowing now that I could have invested significantly less and ended up with significantly more if I started in my 20s.
What is your portfolio like?
These are some details of the ETFs btw:
10% XIC - iShares Canadian broad market index
12.5% IEFA - iShares developed ex-North America broad market index
12.5% AVDV - Avantis developed markets ex-US small cap value
22.5% ITOT - iShares US broad market index
22.5% AVUV - Avantis US small cap value
10% IEMG - iShares emerging markets broad market index
10% AVEM (will replace with AVES when it releases in September) - Avantis emerging markets value
The Avantis funds are essentially index funds that are titled towards the factors Fama/French concluded can increase expected returns over the long term beyond regular market cap weighted index funds.
I have VTI/VXUS/QQQM/SCHD and i just got rid of my QQQJ cause it has been sucking.
looking to retire in 30 years
VTI - 60%
BBH - 10%
ICLN - 10%
BUG - 10%
SOXX - 10%
What are your thoughts on BUG? I want to add that to my portfolio.
I decided that its too expensive for a long term portfolio and remove my tilts. Going with 70% VOO 15% BND 15% VTIP.
Have you considered SOXQ instead of SOXX?
Very similar holdings, much lower expense ratio.
I was not aware and it appears neither is my broker (M1). Thanks for the suggestion. I will keep an eye on it.
I had to look up BBH as well. Compare it to IBB. If it's similar enough to interest you then go for IBBQ. Same situation as SOXQ and SOXX - similar holdings, lower expense ratio.
401K: 80% FSKAX + 20% FTIHX (what my employer offers)
ROTH IRA: 60% FZROX 20% FZILX 20% QLD (QLD plan to re-allocate constantly)
For my FZROX + FZILX, would it be better to switch over to ETF such as VTI + VSUX? I can't really tell the benefit of ETF over mutual fund (or vice versa)
i was thinking the same for my roth. i have vti/vxus/qqqm. i dont want get rid my current etf cause they been doing great but i was thinking of adding fzrox/fzilx on top of what i have but im not sure
I’m 21, looking to start my Roth IRA. I have about 18k in a mutual fund that I’m planning on using to invest in these etfs. I’m thinking of doing 80% us, 10% reits (VNQ), and 10% international (VEA/VXUS). I also want to creat a portfolio with other etfs and individual stocks. I’m looking to do a mix of large, mid and small cap etfs. I’ve been looking at VONG, SCHG, VGT, VTI, VUG, VB, VBK, and VBR. Idk if going heavy vanguard is bad or not though. Thoughts on what I should put in my Roth and my brokerage portfolio? Thank you!
21 years old set up Roth IRA today, considering the following
60% VTI or FZROX
Thoughts on FZROX vs VTI?
Fan 1 2.38% (considering selling and allocating to Tan since I just like solar and I think wind is what it is, very detailed analysis I know).
Blok 1 2.38%
House 5 years
Portfolio needs: I will procure an extra 1,500 per month to add and I want to add small/mid cap equity and international equity exposure.
\- 50% CSPX
\- 25% ARKF
\- 25% KWEB
I hadn’t seen cspx I just have vlcax and some spy, curious about cspx and how you chose it
Non-US resident, that's why CSPX and KWEB.
Regardless of the context that is clearly lacking, you are also lacking international diversification. Since it's clear you're already going after value, you may benefit from reading Larry Swedroe's following articles on the topic:
and regarding future expected returns:
That being said, I appreciate the idea of going 50% more market-focused and 50% value-focused. I just think betting 100% US leaves a lot of diversification on the table.
You also may appreciate this article from DFA:[https://www.dimensional.com/us-en/insights/ins-and-outs-of-emerging-markets-investing](https://www.dimensional.com/us-en/insights/ins-and-outs-of-emerging-markets-investing)
Finally, another option that could be considered is diversification into Momentum, such as QMOM/IMOM, which [has been found to combine well with value](https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2435323). Most investors don't invest in Momentum though as it's pretty crazy volatile and requires arguably greater conviction than value. Plus Avantis already screens for negative Momentum as it is.
35 years old, recently came into some money (30k) that I'm throwing into the market. 401k and Roth IRA already maxed; this money is in a taxable account.
VUG - 50%
QQQJ - 20%
MSOS - 20%
AVUV - 10%
20% on cannabis is a lot. I think that sector has already seen the bulk of the gains it's gonna see for the next few years at least. Even if it is legalised at the federal level - and that's an "if" that's at least 3-5 years away, I think - a lot of the anticipation of that happening is likely already priced in.
If you're intent on it though, have a look at POTX instead - expense ratio is 0.51% vs 0.74% for MSOS.
And you have no interest in international markets?
Given that these are my long term buy and holds, 3-5 years or even longer is fine with me. I prefer MSOS vs POTX as the majority of holdings in POTX are Canadian companies. I think companies in the US will stand to benefit from US federal legalization faster than foreign companies.
I am still considering my approach to international funds, whether I want to pick something broad like VXUS or country-specific like EWY.
I'm new, so sorry if this isn't helpful, but did you consider an HSA?
Lots of fellow 30-somethings in here im noticing!
I have $15k to toss in, thus far I have nothing but SNDL calls and meme stocks, along with what I've gotten over the last few years with my work's stock options.
15% meme shit
I also have my ROTH 401k sitting at \~10k, though I don't plan on touching that at all unless its a higher contribution. I'm also considering selling my condo for a dank 30% return on my equity since buying late 2019. That'll net us somewhere in the area of $35k at closing and I only need 20k for a down where we're shopping.
I'm ideally aiming for something longer-term, 15+ year to at least curve inflation so I can trust my family has something to live on. So far VTI and my employer contributions are the only thing that's been profitable, and I really want a wide spread to make certain my kids have something other than debt to inherit after my wife smothers me in my sleep.
Dank? U stoner.
That escalated quickly
Only thing keeping me alive is she hasn't figured out my Fidelity or Farmers passwords
I am new to US ETF market, appreciate for any advice.
24 years old.
VTI 50%, QQQ 15%, VIG 10%, QQQJ 5%, VXUS 5%, ARKK 5%, SMT 5%, IBUY 5%,
Too tech heavy, total market (e.g. VTI) and some international exposure is more effective. Tech is already the largest sector of the market.
You have basically total market with apple overweight. That's allright. Maybe add international for diversification.
You're not getting much (any) diversity or benefit from adding VOO to VTI. [Look at their performance over the past five years](https://www.google.com/finance/quote/VTI:NYSEARCA?comparison=NYSEARCA%3AVOO&window=5Y) \- They've tracked within just a few percentages points of each other.
PAWZ might be more of a sentimental pick for you. I don't see it as an ETF that will outperform the market in any spectacular way over the long term.
Need advice in general about my choice of ETFs and my % balance and how I could improve my portfolio
Great. Add international for more diversification.
I'm a 30 year old beginner investor and started my financial journey 3 months ago. I currently have a maxed out ROTH IRA with Vanguard containing: Vanguard Total Stock Market Index Fund (VTSAX @ 83%), Vanguard Real Estate (VNQ @ 7%), Vanguard Total International Stock ETF (VXUS 7%), Vanguard Total Bond Market (BND @ 3%).
Since my roth IRA is maxed out, I've decided to open a Individual taxable account with M1 Finance and fill it with Dividend EFTs & stocks. This portfolio is mainly for fun and experience since the 3-Fund portfolio with vanguard is very Set it and Forget it. My current Dividend portfolio consist of:Individual stocks such as APPL, MSFT, O, GOOG, COST, PFE, PG, KO, DIS, LOW, JNJ, MMM, JPM, CAT, XOM @ 40%. Vanguard High Dividend Yield (VYM @ 25%). Vanguard Dividend Appreciation (VIG @ 15%). Schwab US Dividend Equity (SCHD @ 25%)
my #1 priority is to max out the roth IRA every year, put into my high yielding savings account, add into my emergency fund/nest egg, and then the indiv. tax account. All in that order.My overall financial goal is not to be super wealthy or rich, but to at least live comfortably off my dividends. What's comfortable for me?? I dont know, $2000/month? Most of my money goes to VTSAX as my ultimate long term investment and I'll Dollar Cost Average into everything else. Any critics are welcome, but I was wondering if I messed up by having all my dividend stocks/ETFs in a taxable account as opposed to an IRA?
I’d suggest reading the simple path to wealth by JL Collins. Beyond that sign up to some personal finance blogs that align with your situation.
I’m British so can’t comment on your choice of “wrappers” but over here in the uk it’s generally recommended to use tax advantaged options rather than taxable accounts. You haven’t mentioned retirement accounts (401k). You could be missing out (in the uk I get tax relief and employer contributions so free money basically)
Try to keep things simple, repeatable and live within your means as oer JL Collins (his book is geared to the US btw) Avoid lifestyle creep whilst trying to balance enjoying life.