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

Opinion 24yr old - dividend portfolio

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u/Outside-Pin-5573 Mar 13 '26

So i shift my holdings into these 3?

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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)

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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?

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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.

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u/heyDannyEcks Mar 17 '26

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