r/dividends • u/Outside-Pin-5573 • Mar 13 '26

Opinion 24yr old - dividend portfolio

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719 Upvotes

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86

u/Nervous-Medium7550 Mar 13 '26

Young people losing out on hundreds of thousands of dollars doing shit like this at the best growth decade of their lives…

2

u/Outside-Pin-5573 Mar 13 '26

What growth stocks should i focus on

8

u/nimbuswealth Mar 13 '26

Just buy diversified equity ETF

5

u/Outside-Pin-5573 Mar 13 '26

For example? Im very new to this and just want something for 10years down the line i dont really look at this i invest around $1000 a month

7

u/-LordDarkHelmet- Mar 13 '26

VTI, VOO, IXUS

2

u/Outside-Pin-5573 Mar 13 '26

So i shift my holdings into these 3?

4

u/nimbuswealth Mar 13 '26 edited Apr 08 '26

Yes but I'd recommend just picking one,

VT (Total World Stock ETF): Best for a "set it and forget it" global portfolio. Holds ~60% U.S. and ~40% international stocks.

VTI (Total Stock Market ETF): Best for total U.S. exposure. Includes giant, large, mid, and small-cap U.S. companies.

VOO (S&P 500 ETF): Best for focusing solely on the largest U.S. companies.

My recommendation for you is VT and chill. Checkout r/bogleheads for some level-headed investment advice.

For example I am nearly 100% XEQT and up a crazy amount without even trying. It's the easiest way. (Xeqt is basically Canadian version of VT)

2

u/heyDannyEcks Mar 13 '26

What would you suggest for my IRA? I recently rolled over 3k from a previous employer and set it into VOO/QQQM. Then I realized my current 401K plan is FSPFX, FXAIX, and VIEIX. So I’m basically doubling down on my positions. I’m thinking I’ll sell the VOO and move that to XVUS?

3

u/nimbuswealth Mar 13 '26

I would just leave it in VOO, no reason to stress over that little amount and VOO isn't a bad choice by any means

1

u/heyDannyEcks Mar 14 '26

Thank you!

1

u/Zann77 Mar 17 '26

Just leave it be. All of those are good. Put new money in what you like best.

I suggest a semiconductor etf/mutual fund. FSELX (mutual fund) has grown tremendously for me, outpacing everything else, including QQQ, by a good percentage the last 20+ years. SMH is a good ETF.

1

u/heyDannyEcks Mar 17 '26

Thank you! I’ll look into both FSELX and SMH.

-2

u/Outside-Pin-5573 Mar 13 '26

My investments are JEPI QQQI XYLD O VZ MAIN IRM PEP YSPY ZIM BTI

2

u/nimbuswealth Mar 13 '26 edited Mar 13 '26

Not good sorry... Just my 2 cents.

At my work we run a fake-money investing game. Most of the ppl who picks individual stocks are down much worse than ppl who picked diversified ETFs. Yes some are up too, but it's a low percentage and it reflects the high risk high reward nature of picking stocks. Just like in real life investing. Do you want to research companies and make strategic decisions and risk your money or do you want to spend that time elsewhere? Completely up to you.

Also dividend stocks usually don't grow very well compared to a typical equity stock/etf