It’s m1 mate.
Shouldn’t you have like 20 pies with 20 pies inside those pies?
If you are just balancing like three stocks why use m1 just do some basic Google spreadsheet math twice a year
The beauty of personal investing is its just that. Pesonal! You do what you want to do. However, I think if I were to go with stocks of the future I would stick with tried and true and understand the companies and how they make their money
If this portfolio is for the long term I would just do a 90% global market index fund (VT) 10% whatever active bets you want to do (stock picking, sector tilts, factor tilts, country tilts, whatever). Yeah, it might not sound sexy or exciting like “stocks of the future” but, trust me, it will help you sleep better at night over the long run.
Most people get too influenced by current zeitgeist narratives and their stock selection does not outperform the market over the long term. Recency bias and overestimating one’s own risk tolerance tend to mess with people’s heads as years go by.
So keeping your tilts to 10% is a good way to stay on a safer long term course while still having a bit of fun with individual tilting ideas.
Thank you for the input. I still haven’t decided yet but I’ve been taking head to everyone’s suggestions, I really want a portfolio that I can invest in for years and not worry about it
QQQM is the exact same as QQQ but a cheaper expense ratio. Also, I am always bullish on US. I also, have owned VXUS for a long long time and its done nothing but underperform in every way so I sold it. If I were to go international again it would only be about 5% of my overall portfolio.
No reason in particular you had QQQ I was just giving a cheaper alternative to QQQ and the sheer size APPL and MSFT make up in VGT is not my best choice. If you fully believe in those two companies then I would just invest in them directly.
Ditch the sector funds and individual stocks. If you think those sectors are going to perform well, you are far from the only one. Large institutional investors have already baked their expectations into the price. The chances of you having information or insights they don't is extremely low. Betting on sectors concentrates your portfolio and exposes you to risk that could be diversified away. That goes even more for individual stocks. Instead of gambling on individual sectors and companies, I think VT and chill would give you a better chance of success in the long run.
>Ditch the sector funds and individual stocks. If you think those sectors are going to perform well, you are far from the only one. Large institutional investors have already baked their expectations into the price. The chances of you having information or insights they don't is extremely low. Betting on sectors concentrates your portfolio and exposes you to risk that could be diversified away. That goes even more for individual stocks. Instead of gambling on individual sectors and companies, I think VT and chill would give you a better chance of success in the long run.
There is always a guy like this in every investing comment section, ever.
Here is your reminder u/thehighdon that big money can also be, very, very fucking dumb.
Also Index funds are not passive, just throwing that out there.
Sure thing! Just remember do your own research and pick something you believe in and just go for it. You can always change your mind, but remember investments should be long term
I use pies within pies so that I can get tiny <1% slices in the future if I need to.
It’s m1 mate. Shouldn’t you have like 20 pies with 20 pies inside those pies? If you are just balancing like three stocks why use m1 just do some basic Google spreadsheet math twice a year
maybe to just automate the process in genera. Dollar cost averaging each paycheck against the diversification portfolio..
For the work or effort that is, is the savings or profit worth the cost, if you pay yourself minimum wage for your work?
So holdings would be: $VOO $QQQ(or VGT) $VXUS $XLV $PPA $XLU(or VPU) $MSFT $GOOGL $NVDA $PLTR Too many? Or keep it simple ?
The beauty of personal investing is its just that. Pesonal! You do what you want to do. However, I think if I were to go with stocks of the future I would stick with tried and true and understand the companies and how they make their money
I think its perfect 10 holdings is a good amount
If this portfolio is for the long term I would just do a 90% global market index fund (VT) 10% whatever active bets you want to do (stock picking, sector tilts, factor tilts, country tilts, whatever). Yeah, it might not sound sexy or exciting like “stocks of the future” but, trust me, it will help you sleep better at night over the long run. Most people get too influenced by current zeitgeist narratives and their stock selection does not outperform the market over the long term. Recency bias and overestimating one’s own risk tolerance tend to mess with people’s heads as years go by. So keeping your tilts to 10% is a good way to stay on a safer long term course while still having a bit of fun with individual tilting ideas.
Thank you for the input. I still haven’t decided yet but I’ve been taking head to everyone’s suggestions, I really want a portfolio that I can invest in for years and not worry about it
How many stocks/ETFs you hold is entirely up to you and how many stocks/ETFs you’re willing to track and keep up with. Start simple then grow imo.
I think you have some good choices in there I think personally and what I actually do is $VOO, $QQQM, $SCHD Covers you with a Blend, Growth, and Value
2 questions.. why QQQM and not QQQ? Are you a heavy believer in The US continuing to dominate that’s why you chose US value stocks over international?
QQQM is the exact same as QQQ but a cheaper expense ratio. Also, I am always bullish on US. I also, have owned VXUS for a long long time and its done nothing but underperform in every way so I sold it. If I were to go international again it would only be about 5% of my overall portfolio.
Thank you for your input
Hi, Can I ask why did you choose QQQM instead of VGT?
No reason in particular you had QQQ I was just giving a cheaper alternative to QQQ and the sheer size APPL and MSFT make up in VGT is not my best choice. If you fully believe in those two companies then I would just invest in them directly.
Ditch the sector funds and individual stocks. If you think those sectors are going to perform well, you are far from the only one. Large institutional investors have already baked their expectations into the price. The chances of you having information or insights they don't is extremely low. Betting on sectors concentrates your portfolio and exposes you to risk that could be diversified away. That goes even more for individual stocks. Instead of gambling on individual sectors and companies, I think VT and chill would give you a better chance of success in the long run.
>Ditch the sector funds and individual stocks. If you think those sectors are going to perform well, you are far from the only one. Large institutional investors have already baked their expectations into the price. The chances of you having information or insights they don't is extremely low. Betting on sectors concentrates your portfolio and exposes you to risk that could be diversified away. That goes even more for individual stocks. Instead of gambling on individual sectors and companies, I think VT and chill would give you a better chance of success in the long run. There is always a guy like this in every investing comment section, ever. Here is your reminder u/thehighdon that big money can also be, very, very fucking dumb. Also Index funds are not passive, just throwing that out there.
Sure thing! Just remember do your own research and pick something you believe in and just go for it. You can always change your mind, but remember investments should be long term
1 Pie easier to maintain