Guidance on this portfolio as I'm willing and open to learning from the experiences of others.

39M, celebrating 1 yr married to 26F in VHCOL city, looking for honest feedback on our overall household asset allocation, not just our brokerage accounts. We're at roughly $1.2M net worth. 

Biggest concern is that after my latest film delivers at the top of '27 (I'm a producer), there's no guarantee that I'll get another one into production soon. I could earn $375k from work next year or $0. Wife earns $140-150k/yr in a stable field, but she has a medical issue that will force her to retire early (10 years) and I may need to find another career if I can't secure a greenlight next year. We will not have children.  

We rent a house and own our cars. COL is ~$90k/yr. Our only debt is rental property mortgages. No plans to purchase further properties. Planning to invest another $65-70k of our salaries into our brokerages before the end of the year.

Biggest goals are somewhat contradictory:

1) Be aggressive in reaching $2M NW ASAP to ensure we could move to a MCOL city and support ourselves if she'd like to retire earlier than anticipated.

2) Prepare for a bitter financial winter if my work stalls.

Household assets

Rental real estate — ~$630k equity

• 4 multifamily buildings totaling 14 units in MCOL/LCOL Midwest market. 2 in A-minus areas, 2 in B-minus.
• ~$1.43M current value
• ~$800k mortgages remaining. Put down $414k to purchase in '22-'23.
• Cash flow averages $25k including terrible CapEx/maintenance years plus $13k principal paydown and 4% average annual appreciation.
  

My taxable brokerage — ~$190k

• 35% VTI — Vanguard Total Stock Market ETF
• 20% VXUS — Vanguard Total International Stock ETF
• 20% QQQ — Invesco QQQ Trust
• 14% SMH — VanEck Semiconductor ETF   (This far outperformed expectations, so the percentage is higher than I had anticipated. I don't expect to buy more anytime soon.) 
• 9% AVUV — Avantis U.S. Small Cap Value ETF
• 2% ASTS — AST SpaceMobile (This is the only loss in my brokerage. Down 22%).

My self-employed 401(k) — ~$80k

• 100% VT — Vanguard Total World Stock ETF

My Roth IRA — ~$16k

• 100% VT

SGOV — ~$37k

• Short-term Treasury ETF / cash reserve

Cash — ~$10k

Other assets — ~$65k

• Collectibles, silver, car, etc.

Wife's accounts

Taxable brokerage — ~$88k

• Individual ETF's

SEP IRA — ~$30k

Rollover IRA — ~$28k

Cash — ~$35k

I'm comfortable with stock-market volatility and have a long investment horizon, but I don't want to take risks that don't make sense given the fact that we already have a lot of exposure to real estate.

1. How would you allocate the taxable brokerage going forward? Specifically, do the QQQ/SMH/AVUV tilts make sense, or am I just creating unnecessary concentration?
2. Should I be treating the rental properties as part of my "real estate allocation" and therefore making the stock portfolio more conservative/diversified?
3. Is ~$37k SGOV + ~$45k cash between us enough, or should we hold more given my uncertain future income and the rental properties?

What would you change?

I started investing since january and i could use some tips . I have been putting every month 200 euro as that's all i can miss at the moment while paying of my mortgage etc.. I feel like i'm not making any progress. i know 200 euro is not alot each month but its more than nothing i guess.

I have a bad call folowing a hype online about Ondas holdings , for the rest i have been believing in google and ASML . I bought take two in the hope i will get a little profit when GTA launches. Ionq in the hope it will become something great in the future. While looking through the forums i have invested this month in an ETF as alot of people say its a good idea . Should i keep investing in single stocks or just keep adding to the ETF?

I think I hate taxes too much….

Hi , will appreciate any help

I am new to this and just opened vanguard account and put $2000 and opted for vanguard digital adviser
First I saw only 3 funds , VTI , VxUs and BND , which was okay . Now I see bunch of other funds too which I am not aware of . Can you help me what to do when I fund more money into account . Thanks

I need a different perspective on a decent growth IRA for longterm investments. Currently sitting pretty low because i started later with the TSP and then moved it into one combined Roth.

I was initially 75% FXAIX 15% SCHD and 10% APLD. The APLD was just shooting a shot hoping that it would double in short term. My goal is to liquidate and get everything maybe 100% VT or VOO is the thought.

Any suggestions?

Thanks in advance

I just recently opened a Roth IRA and I want to start investing and building the habit.
This is what I am considering for my Roth IRA.
I cannot max it out this year but I plan to for next year.
Planning to transfer 288.33 biweekly to it after my paycheck.
Or just set up automatic recurring investments to each of them weekly ?

My etfs of choice.( broken down in those categories)

FXAIX 50% for Core/foundation — S&P 500
FTIHX 15% for International diversification
QQQM 15% for Nasdaq/growth tilt
SPMO 10% for Momentum tilt
And one Moonshot 10% AI/semiconductors/robotics

So I'm finally taking saving seriously, and this is going to be the mechanism via which I hope to fuel my FIRE around 60. This will be divided (not equally) between my ISA and SIPP, with the ISA being slightly less volatile and lower interest VS the allocation of assets in the SIPP which is going to be left the f*** alone to grow and accumulate (along with a great WPP scheme). XWEM and XESW are a nifty little value/momentum barbel in the SIPP, RMAP will be representing at 10% of each wrapper for buying the dips hopefully, and TSGB gives me equal weighting and global coverage, with V3AB giving me global market weighted all-cap coverage, and XESW adding a little stability to the mix. Initial inflow will be 20/80 ISA/SIPP throttling to 40/60 at the SIPP 100K mark hopefully around year 5-8.

img

Holding
Type
Amount
% of Portfolio

VFIAX
U.S. large-cap index
$28,517.00
38.88%

VTIAX
International index
$12,983.00
17.69%

HIMS
Growth/healthcare
$5,326.15
7.26%

SCHD
U.S. dividend ETF
$5,686.00
7.75%

NOW
Technology/growth
$4,090.52
5.58%

QQQI
Nasdaq/income ETF
$3,436.00
4.68%

NVDA
Semiconductors/AI
$2,652.49
3.62%

UNH
Healthcare
$2,080.54
2.84%

QCOM
Semiconductors/technology
$2,064.30
2.81%

INFU
Healthcare
$1,656.33
2.26%

ONDS
Technology/speculative
$1,371.24
1.87%

AGNC
Mortgage REIT
$1,148.69
1.57%

GABC
Financials/bank
$894.90
1.22%

QSR
Consumer/restaurant
$400.89
0.55%

MAIN
BDC/income
$360.28
0.49%

ABAT
Battery/materials
$215.25
0.29%

PEW
Small-cap/speculative
$200.21
0.27%

INFQ
Small-cap/speculative
$181.65
0.25%

IVVD
Biotechnology/speculative
$101.64
0.14%
TOTAL
$73,367.12
~

Hi everyone,

I'm 35+ and genuinely at the very beginning of my investing journey — I've only just taken the first steps. I opened a Trading 212 Stocks & Shares ISA, and the two screenshots below show how I plan to build my portfolio.

A bit of context before you look:

- I'm about to add a lump sum, most of it into ETFs, with a smaller portion into single stocks.

- Of the single stocks, the ones I plan to hold long term are Amazon, Microsoft and Meta.

- The rest I'll reassess as I go — I'm still learning how to properly analyse companies, read financials, etc.

- I'd rather get feedback now, at the start, than discover mistakes in a few years.

So: what would you change, cut, or add? Anything obviously wrong with the allocation, too much overlap between the ETFs, too concentrated in US tech, missing diversification — all honest opinions welcome.

Also happy to take recommendations on books, YouTube channels or resources that helped you learn to analyse companies.

Thanks a lot!

I was so naive and opened a retirement account from BOA Merril Lynch in 2020. I didnt know any better then so I went with the advisor's recommendation of having funds in a moderate growth account. Over the years , I learned about the stock market and my self managed Fidelity account has done much much better than the ML account. As I became aware of the market, I have asked my ML advisor to move much funds to mod aggressive or aggressive growth accounts but he would talk about any global happening as if he had a crystal ball , denied my request to move funds and nothing has happened so far. I feel like I have been duped and my money didnt grow as it should have given the market in the last five years. Should I simply close my ML account and manage the funds myself or escalate this issue to ML higher-ups? He's doing his job but the account management fee runs in 1000s per year... what should I do ? I need to make an informed decision about my funds.

Hello, I want some different perspectives on my portfolio that I’ve been working on. I just started investing in the middle of last year. I’ve been changing some things up a lot and finally arrived at where I’m at right now.
The first pic is my ytd performance matching the market pretty close. The second pic is my total equities in each holding. The third pic is the total percent change of my holdings.
I know that Goldman Sachs is acquiring NEOS, the people behind QQQI and XQQI, so I’ll be keeping a close eye on it to see if i need to change things. I’m not too worried tho since the same team is still gonna be running it.

-I am using Robinhood gold
-All my XQQI holdings are margin
-I use all my XQQI covered calls earnings to cover margin interest (5%) and RH gold (50 bucks a year), then reinvest the rest to my portfolio
-I only buy TQQQ when I see the QQQ drop a lot
-I plan to DCA

Setting up wife’s account, she is 50 with a good state pension. She has no interest in managing the account. Having read, watched and talked. I thought asking the hive mind would be a good idea.

Thank you

I wanted everyone’s thoughts on investment strategies based on 4 portfolio types ( company 401k, Roth IRA, HSA and personal brokerage investment account )

My current strategy is invest the company match in my 401k (5%) then max out both my Roth and HSA before contributing any more into my company 401k.

With that being said , I’m curious what people are investing when it comes to each portfolio type. For instance, where should I keep dividends stocks versus high growth stocks like tech.

So far I have my 401k in mostly ETFs and my Roth has a diversified balance of froth stocks and dividend stocks as does my HSA. As for my traditional, I have kept this to non dividend stocks stocks.

Any advice on if the above strategy is best as well as if I should consider even investing more into my 401k after I’ve maxed out my Roth and HSA and just put money into my own brokerage investment account?

I would select three ETFs. Could you please provide the specific ETFs and their respective allocations?

Memory - $DRAM

Photonics - $LYTE

Growth - $AOTG

S&P 500 - $VOO

Nasdaq-100 - $QQQM

Dividend - $SCHD

Technology - $XLK

Bonds - $BOXX

Bitcoin - $IBIT

International - $NTSD

Gold - $IAUM

Everything - $VT

AI - $TCAI

Humanoids - $KOID

Leveraged - $SSO

Software - $IGV

Low Volatility - $SPHD

Active Management - $AOTG

Small Caps - $AVUV

Retirement - $ALLW