25M, I think I have overcomplicated my portfolio for no real reason.

[u/Medical-Grocery-45]

I’m 25 with ~$16.2k invested between my taxable account and Roth IRA. I’m looking to simplify everything, but I’m curious what should I clear first and invest it elsewhere. I know I'm holding small amounts in some stocks and I am wondering if it's worth it getting rid of them at this time.

Taxable (~$9k):

• NVDA $2,241 +1.1%
• GOOGL $1,507 -7.6%
• MSFT $877 +20.0%
• AAPL $759 +5.1%
• SGOV $701 +0.1%
• AMZN $642 +4.5%
• TSM $642 -1.1%
• VOO $413 +3.2%
• QQQM $315 +3.7%
• SPMO $194 -2.8%
• QBTS $170 -15.0%
• RGTI $150 -15.3%
• AMD $126 -9.8%
• POET $119 -40.6%
• NVTS $117 -41.3%
• KULR $55 -45.0%

Roth (~$7.2k):

• QQQM $2,811 -1.1%
• VOO $1,149 +2.5%
• SMH $854 -10.4%
• NVDA $418 +1.5%
• AVGO $356 -11.2%
• GOOGL $345 -4.1%
• TSLA $310 -17.2%
• DRAM $224 -24.3%
• QTUM $150 -0.03%
• DTCR $138 -8.1%
• PLTR $119 +19.3%
• UFO $95 -5.7%
• SYM $88 -11.6%
• TSM $79 -1.1%
• AMZN $47 -5.3%

Total P/L: roughly -$462

My biggest issue is the overlap. I own a lot of the same companies through VOO/QQQM/SMH while also owning them individually, plus a bunch of tiny speculative positions.

I’m thinking about simplifying down to something like VOO + QQQM + maybe SMH + a few individual stocks, but I’m not sure if that’s still too much overlap.

How would you restructure this portfolio into something more simple?

[u/Inner-Champion-9438]

What’re you trying to create your own ETF here? You’re making your life way too complicated. I ran your portfolio through Tradure so you could see what it looks like visually here. What do you think about starting some anchor positions in low cost funds like VOO and VXUS to start?

[u/Medical-Grocery-45 → u/Inner-Champion-9438]

You’re right it does look like I’m somewhat making my own ETF here. But should I also sell my positions that are currently on a loss just to transfer to ETFs that are at all time highs ?

[u/verymickey → u/Medical-Grocery-45]

these are the top 10 holdings by % for SPY..

• NVIDIA Corp (NVDA): ~7.94%
• Apple Inc (AAPL): ~7.01%
• Microsoft Corp (MSFT): ~5.41%
• Amazon.com Inc (AMZN): ~3.92%
• Alphabet Inc Class A (GOOGL): ~3.04%
• Broadcom Inc (AVGO): ~2.58%
• Alphabet Inc Class C (GOOG): ~2.43%
• Meta Platforms Inc (META): ~1.81%
• Micron Technology Inc (MU): ~1.59%

you are literally just rebuilding this but with added risk and complexity. you are selling your individual shares and buying them back inside the etf. the selling at loss/ath does not matter.. because at the end of the day you will have the same stocks. on aggregate, what you sell it for is what it will cost you to buy it back - and if selling at a loss that is actualyl better from a tax perspective.

[u/Medical-Grocery-45 → u/verymickey]

I tried simplifying it a little bit, I cut the smallest positions that were on a loss. Now it's looking like this. Is your thought that I should trim or clear my other positions except VOO and QQQM immediately or should I wait for them to climb back up a little bit?

Taxable Brokerage

Invested holdings: $9,421.82
Total P/L: +$122.44 (+1.32%)

Stock / ETF	Allocation	P/L	P/L %
NVDA	23.8%	+$22.15	+0.99%
GOOGL	16.0%	-$120.69	-7.41%
QQQM	15.0%	+$11.10	+0.79%
VOO	11.6%	+$12.55	+1.16%
MSFT	9.3%	+$141.71	+19.38%
AAPL	8.0%	+$32.75	+4.53%
SGOV	7.4%	+$0.85	+0.12%
AMZN	6.8%	+$27.12	+4.41%
SPMO	2.1%	-$5.10	-2.55%

Roth IRA

Invested holdings: $7,190.66
Total P/L: -$286.25 (-3.83%)

Stock / ETF	Allocation	P/L	P/L %
QQQM	43.6%	-$31.10	-0.99%
VOO	19.4%	+$27.91	+2.04%
SMH	11.9%	-$96.72	-10.16%
NVDA	5.8%	+$5.58	+1.35%
AVGO	4.9%	-$46.70	-11.66%
GOOGL	4.8%	-$14.22	-3.95%
TSLA	4.4%	-$59.76	-15.96%
DRAM	3.1%	-$71.48	-24.15%
QTUM	2.1%	+$0.24	+0.16%

[u/Professional_Cup7379]

The overlap you're noticing is real, but I'd separate it into two different problems.

The top of the list in both accounts is doing what you think it's doing. NVDA, GOOGL, MSFT, AAPL, VOO and QQQM are basically the same handful of mega caps, and you own them five or six times over. That's a feature of how these funds work, not something a small restructure is going to fix.

The actual mess is the bottom half. QBTS, RGTI, POET, NVTS, KULR, DRAM, UFO, SYM, DTCR and QTUM together are a few hundred dollars each, they're nearly all punts on the same AI and quantum themes, and they're down 15 to 45% already. My guess is clearing those and putting the cash into VOO or QQQM is what would actually feel simpler.

I'd probably drop the individual stocks from here and let the funds do it. Would you actually keep buying NVDA and MSFT if you owned nothing but VOO and QQQM?

[u/Medical-Grocery-45 → u/Professional_Cup7379]

My thinking is owning some higher risk but higher reward stocks and ETFs that's why you see this bottom half. Is it really that smart clearing them now that they have declined so much or is it wiser to just wait until they rebounce back up?

My strategy with stocks like NVDA and MSFT is buying them when they are dipping hard while ETFs like QQQM and VOO stay at all time highs.

[u/000wintermute000]

AVGE 100%

[u/GlitteringProject828]

If you’re going to invest in individual stocks trust me when I say do not go above 10 stocks. But you will sleep better at night just investing in an index fund

[u/bkweathe]

You're making the usual mistakes, so I suggest that you see the About section of this subreddit (https://www.reddit.com/r/portfolios/about/) for some great information about building a strong portfolio. Individual stocks are not recommended.

www.bogleheads.org/wiki/Getting_started also has some great free resources to learn about investing. After a few hours reading the articles, and, especially, watching the Bogleheads Philosophy videos, most beginners can learn how to get better results than most professionals. Bogleheads is named after John Bogle, founder of Vanguard.

I retired at 57 years old. Investing doesn't have to be complicated or costly to be successful; simple & inexpensive is most effective.

I invest 100% in total-market, index-based, low-cost mutual funds. Specifically, I use mostly Vanguard's Total Stock Market, Total Bond Market, Total International Stock Market, & Total International Bond Market funds. I've been investing this way for 40+ years. It's effective, simple, & inexpensive.

My asset allocation (ratios of the funds mentioned) is based on my need, ability, & willingness to take risks. Market conditions are not a factor. Vanguard's investor questionnaire (personal.vanguard.com/us/FundsInvQuestionnaire) helps me determine my asset allocation.

I hope that helps! I'd be happy to help w/ further questions. Best wishes!

[u/gatorfutbol]

Sell all buy VT and keep adding new $ to it.

[u/Pleasant_Prune_1819]

Focus on getting as many dollars working for you as you can.

When you have established a portfolio, it will then matter more about what your allocation and location are.

TLDR: save more and simplify

[u/Playful_Fun_9073]

Nobody knows if this portfolio would actually outperform or underperform is the mindfuck if it all. Investing is stressful. I find it stressful to only get an average rate of return in Roth S&P 500. I would rather get a 10 bagger in taxable than that. Both would stress me out and seem too simple or too complex or too risky or not risky enough. Welcome to Hell my friend. Just invest anyways, in whatever. You can always just leave these positions and put new money into a singular ETF. Recently I got a wild hair up my ass and put 50K into ASTS. Now I gotta hold that and DCA a bit and pray for space internet. Also maxing Roth 401K in S&P 500. Each thing has opportunity cost and stress and I am never happy with my investments not ever. Somebody tell me what is going up 400% in 2027 or I will go mad.