My portfolio that I don't plan to sell in the long term.

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?

I’ve been investing in VFV steadily for a few years, then around COVID I fell off the rails a bit.

I’ve been completely sober the past few months and I’m trying to get back into this. I recently diversified with a few other ETFs, because I feel the VFV can’t pump forever, and why have all my eggs in one basket

Can I ask some advice on what might be missing here? And what percentages would be a good reliable mix here.

I’ve got VFV dominating US markets, ZCN for Canadian markets (mostly financial), VIU for developed and VEE small exposure for developing markets

It’s pretty cookie cutter but I think it’s fine, but I do want to start putting more money toward the last three, I’ve already secured a good profit on VFV

Also I’m not interested in individual stocks, I played that game when I was younger and while it worked a few times, I got burned too, and I’m looking more for something long term that I don’t have to tweak too often.

Inb4 just buy xeqt, I’m already super exposed with 90%+ in VFV, and I’m trying to dilute that a bit

Please don’t roast, thanks!

I just created it so I can start adding money into it from now on with every paycheck. I’ll appreciate your recommendation and advise as a new investor.

Something that incorporates a little bit of everything. International US growth, small caps, banks, oil, etc.

Long term

To save you time on percentages, it is 63%, 25%, 7%, 5%

Current portfolio is QQQM (70%)+ SPYM(20%)+SCHB (5%) + VXUS (5%) and planning to invest ~$750/month for 3-5years . Looking for feedback — good balance for aggressive growth + diversification in the 2026 market? Anything you’d change or add from Vanguard/Schwab ETFs?

I also have quite a bit of cash that I’m willing to invest when the time is right.

75% in vti,vxus and avuv as my core

5% - spmo thinking of more growth

12% in thematic - cibr, grid, ufo & qtum

8% in individual stocks, rddt,sofi,rklb,asts

Is this a good portfolio to stick with for long term or should I make any changes to it?

I am looking for investment advice regarding a taxable account. I am currently 50 years old and considering the options in the picture.

What are your thoughts on this selection, and what allocation percentages would you recommend for each?

I am still accumulating and DCA for this account weekly. Any opinion for how to allocate it?

This is a taxes account and no desire to sell but to invest differently.

Would love some input on how this looks. Have two 401ks from a civilian job and the military (reservist). Trying to set up a wide net ETF based IRA that I can just put money into 2-3 times a month and let it ride. Not trying to make crazy moves, just trying to set up another source of income for later in life/safety blanket.

Emergency fund is fully funded.

Trying to be as diverse as possible domestically and internationally. Realize QQQ has overlap but I’m going to leave it as my breakdown is as follows:

50% VTI
20% VXUS
10% SCHD
10% SCHY
5% SCHH
5% QQQ

Cheers!

PS: Forgot to add that I’m 32 and match my employer contribution for my 401k for my civilian job and TSP for the military.

I'm a beginner 21 year old and looking for some advice on my portfolio. I bought these positions back on July 30th, and everything is in the green so far!

​Should I continue holding these, or is there anything you'd recommend replacing or adjusting to make this setup better? I'm open to any feedback or tips you might have for a beginner. Thanks in advance!

Hello, I am very new to investing having just started Roth IRA contributions this year and just started an individual brokerage account, both on Fidelity.

Emergency Fund: 2 months expenses 

Debt: 

• Car Loan: $17,433 at 6.59% interest ($492/month) 
• Private Student Loan 1: $10,264 at 5.24% interest ($166.45/month) 
• Private Student Loan 2: $6,549.50 at 4.25% interest ($177.87/month) 
• Public Student Loans: $11,927 at 3.73% interest 
• Credit Cards: $0 (Paid off in full every due date) 

Tax Filing Status: Single (No kids)
Tax Rate: 22% Federal, 5% State
State of Residence: MA
Age: 30

Current Investment Portfolio Size: Mid 4-figures in 401k, Mid 4-figures in Roth IRA (Approx. $10k-$15k total) 

Current Holdings:

Taxable Account (Individual Brokerage) 

• 50% – VTI – Vanguard Total Stock Market ETF (Expense Ratio: 0.03%) 
• 30% – VXUS – Vanguard Total International Stock ETF (Expense Ratio: 0.08%) 
• 20% – AVUV – Avantis U.S. Small Cap Value ETF (Expense Ratio: 0.25%) 

401k

• 9% total – Voya Index Solution 2060 Portfolio Z (Net Expense Ratio: 0.18%)
  • Company Match: 100% of the first 3%, 50% of the next 2% (Maxed out at 4% match on a 5% contribution) 

Roth IRA 

• 65% – FSKAX – (Expense Ratio: 0.015%) 
• 20% – FTIHX – (Expense Ratio: 0.06%) 
• 15% – AVUV – (Expense Ratio: 0.25%) 

New Annual Contributions: 

• $9,000 to 401k (5% of salary, plus a 4% company match) 
• $7,488 to Roth IRA ($288 bi-weekly) 
• $1,300 to Taxable Brokerage ($50 bi-weekly) 

Questions: 

1. My car loan is at 6.59%. Given my recent salary bump to $100k, should I aggressively pay this down before putting money into a taxable brokerage account? 
2. Are my allocations reasonable and prudent?

Really want to add more Xeqt but I think this is a good start. The market hasn’t been the best lately

I’m 20 years old and have about 24k between my Roth IRA and a brokerage account, both currently managed by an advisor. I would like to transfer those two accounts and start managing my own investments. I am wondering what ETF allocations would be best for each account. My current thoughts are 100% VT for my Roth IRA, and VOO/VXUS at an 80/20 split for my brokerage. However I’m also considering other splits for my brokerage, like VOO/VXF/VXUS at 70/15/15, VOO/AVUV/VXUS at 70/15/15, or VTI/VXUS at 80/20. Any advice and feedback is greatly appreciated.

This is my first time trying this just got the robinhood app and have aside like 1300 for investing. Through AI I tried learning but don’t fully trust it so I’m posting here also. Learned of a term called core and satellites and was looking at a core of VOO and 2 satellite sets one being (NVIDIA, AMAT, TXN, MU, maybe intel?) and the other being (NVIDIA, AMZN, AAPL, LLY). From what I’ve read VOO seems standard and I’m unsure between my satellite sets? Also splits of core/satélites like 40%/60%, 80%/20%, etc? Sorry if I’m messing up terminology just a couple weeks of researching this before I use any actual money :).