I'm 35 years old and retired thanks to my investments. But, like anyone, I made plenty of mistakes along the way.
If I had to start from scratch, here's exactly what I do👇
If I had to start from scratch, here's exactly what I do👇
You want to think of your portfolio like a pyramid.
Start with a strong foundation that you can build on top of. If your foundation is weak, your portfolio will suffer in the long run.
So, what would my foundation be?
Start with a strong foundation that you can build on top of. If your foundation is weak, your portfolio will suffer in the long run.
So, what would my foundation be?
I would start with a foundation of index funds / ETFs - about 75% of my total portfolio.
The four ETFs I would build around are:
1. $VOO S&P 500 ETF
2. $QQQ Nasdaq 100 ETF
3. $SCHD Dividend ETF
4. $VNQ Real Estate ETF
Let's break down each one:
The four ETFs I would build around are:
1. $VOO S&P 500 ETF
2. $QQQ Nasdaq 100 ETF
3. $SCHD Dividend ETF
4. $VNQ Real Estate ETF
Let's break down each one:
$VOO
Vanguard S&P 500 ETF
30 Year History: 9.73% annual return
Dividend Yield: 1.60%
Expense Ratio: 0.03%
Top 10 holdings as of 10/31:
$AAPL 7.05%
$MSFT 5.27%
$AMZN 2.76%
$TSLA 1.84%
$GOOGL 1.72%
$BRK.B 1.62%
$UNH 1.58%
$GOOG 1.54%
$XOM 1.40%
$JNJ 1.39%
Vanguard S&P 500 ETF
30 Year History: 9.73% annual return
Dividend Yield: 1.60%
Expense Ratio: 0.03%
Top 10 holdings as of 10/31:
$AAPL 7.05%
$MSFT 5.27%
$AMZN 2.76%
$TSLA 1.84%
$GOOGL 1.72%
$BRK.B 1.62%
$UNH 1.58%
$GOOG 1.54%
$XOM 1.40%
$JNJ 1.39%
$QQQ
Invesco Nasdaq 100 ETF
30 Year History: 13.06% annual return
Dividend Yield: 0.69%
Expense Ratio: 0.20%
Top 10 holdings as of 11/20:
$AAPL 13.66%
$MSFT 10.11%
$AMZN 5.39%
$GOOG 3.39%
$GOOGL 3.28%
$TSLA 3.15%
$NVDA 3.03%
$PEP 2.33%
$COST 2.16%
$META 2.15%
Invesco Nasdaq 100 ETF
30 Year History: 13.06% annual return
Dividend Yield: 0.69%
Expense Ratio: 0.20%
Top 10 holdings as of 11/20:
$AAPL 13.66%
$MSFT 10.11%
$AMZN 5.39%
$GOOG 3.39%
$GOOGL 3.28%
$TSLA 3.15%
$NVDA 3.03%
$PEP 2.33%
$COST 2.16%
$META 2.15%
$SCHD
Charles Schwab U.S. Dividend ETF
10 Year History: 12.11% annual return
Dividend Yield: 3.22%
Expense Ratio: 0.06%
Top 10 holdings as of 11/18:
$MRK 4.47%
$AMGN 4.45%
$IBM 4.34%
$TXN 4.01%
$PFE 3.98%
$HD 3.97%
$PEP 3.94%
$CSCO 3.93%
$AVGO 3.85%
$LMT 3.80%
Charles Schwab U.S. Dividend ETF
10 Year History: 12.11% annual return
Dividend Yield: 3.22%
Expense Ratio: 0.06%
Top 10 holdings as of 11/18:
$MRK 4.47%
$AMGN 4.45%
$IBM 4.34%
$TXN 4.01%
$PFE 3.98%
$HD 3.97%
$PEP 3.94%
$CSCO 3.93%
$AVGO 3.85%
$LMT 3.80%
$VNQ
Vanguard Real Estate ETF
10 Year History: 9.03% annual return
Dividend Yield: 3.64%
Expense Ratio: 0.12%
Top 10 holdings as of 10/31:
Vanguard Index Fund Shares 11.93%
$PLD 7.26%
$AMT 6.71%
$CCI 4.10%
$EQIX 3.66%
$PSA 3.48%
$O 2.66%
$SPG 2.48%
$SBAC 2.07%
$DLR 1.93%
Vanguard Real Estate ETF
10 Year History: 9.03% annual return
Dividend Yield: 3.64%
Expense Ratio: 0.12%
Top 10 holdings as of 10/31:
Vanguard Index Fund Shares 11.93%
$PLD 7.26%
$AMT 6.71%
$CCI 4.10%
$EQIX 3.66%
$PSA 3.48%
$O 2.66%
$SPG 2.48%
$SBAC 2.07%
$DLR 1.93%
My next layer of the pyramid would be individual stocks. These stocks would be great companies that I want to own forever.
These stocks would make up 20% of my total portfolio.
What stocks would I pick?
These stocks would make up 20% of my total portfolio.
What stocks would I pick?
Some of the stocks I want to own forever include:
$AAPL
$PG
$O
$TGT
$HD
$JNJ
$GOOG
Your list should be specific to you. A great place to start is with companies whose products you use everyday.
$AAPL
$PG
$O
$TGT
$HD
$JNJ
$GOOG
Your list should be specific to you. A great place to start is with companies whose products you use everyday.
The top layer would be speculation. This would be around 5% of my total portfolio.
When you are young you can take risks. 5% of my portfolio in high risk high reward assets is something I would be willing to do.
What speculative assets would I buy?
When you are young you can take risks. 5% of my portfolio in high risk high reward assets is something I would be willing to do.
What speculative assets would I buy?
I would allocate 2% of my portfolio to Bitcoin. Notice I said Bitcoin and not crypto.
The other 3% would go to stocks that have potential but have yet to proven themselves or have run into trouble. Some stocks I would buy today are:
$SQ
$SHOP
$BABA
$META
The other 3% would go to stocks that have potential but have yet to proven themselves or have run into trouble. Some stocks I would buy today are:
$SQ
$SHOP
$BABA
$META
Portfolio Summary:
- $VOO - 30%
- $QQQ - 20%
- $SCHD - 17.5%
- $VNQ - 7.5%
- Individual stocks - 20%
- Speculation - 5%
- $VOO - 30%
- $QQQ - 20%
- $SCHD - 17.5%
- $VNQ - 7.5%
- Individual stocks - 20%
- Speculation - 5%
There you have it, that's how I would build a portfolio. Thank you for reading!
If you found this thread helpful, please:
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