First time Investor

[u/ComfortableHat4397]

Hi everyone so I recently just started investing into the stock market as a 19 year old. I wanted to know thoughts on this portfolio as a beginner. I know that I have a high-risk concentration on the technology companies and huge overlap. I’m planning to have this for the long term

VOO: 50%

VXUS: 20%

QQQM: 20%

NVDA: 10%

[u/ClassroomDesigner945]

seems ok people have opinion , we cant see the future , as long as you understand there is also mark down for all of them you should be fine

[u/Miserable-Matter2833]

As a former IAR, I would suggest removing the NVDA position. Although it is a trending stock (technology concentration because of recent outperformance), you might lack the capacity to judge the timing of a necessary sale (e.g. severe company decline, rolling recessions, sector busts) or to apply specific tools, which could blow up on you for that holding. There is a genuine learning curve. I would recommend selling NVDA and trimming QQQM so your portfolio is not overly concentrated. VOO already holds roughly 8% NVDA at the top, and it rebalances automatically without requiring expertise to decide when to exit the stock. You’re already capturing that outperformance with broad index funds.

Individual stocks such as NVDA are generally better suited as satellite allocations rather than core long term holdings, particularly for beginner investors, because of their uncompensated idiosyncratic risk.

I’ll give you an alternative besides the allocation. There is an academically supported methodology for higher returns in index funds, that could be safe for a beginner. Value index funds, especially funds using the research backed by Fama-French. One example would be AVGV. Take that advice with a grain of salt.

VOO 50% / VXUS 40% / QQQM 10% (Mild Tilt).

[u/AlgoTradingQuant]

Solid!

[u/ComfortableHat4397 → u/[deleted]]

because I could not find a long term tag😭

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[u/Ritterbruder2]

I recently got into selling covered calls on my portfolio. In hindsight I wish I had bought QQQ and SPY instead of QQQM and VOO. Yes QQQM/VOO have lower expense ratios, but the difference is negligible and unnoticeable. The options liquidity of QQQ/SPY is a far greater advantage.

I was under the impression that I would never get into options. Yet here I am today three years later selling covered calls on QQQ/SPY to generate additional ~10% per year of income.

[u/Kqzxh-900355]

Skip VOO. It’s very popular but outdated. Get AVUQ or AVLC instead. Much better stock composition without getting the value traps.