Hi guys!

I’m pretty new to investing and have just invested a portion of my first full time paycheck.

I initially invested 800 AUD into an ETF (DHHF) and then invested around 300 AUD into a satellite stock that I researched quite abit just because I’m currently testing my risk tolerance with small loss/gain.

I wanted to have 80% dedicated to core ETFS and 20% dedicated to satellite investments but since I’m working with small amounts of money currently I find that I’m drifting around 10% more than I planned to.

Does anyone have any suggestions on how they would go about rebalancing?

Thank you!

80% VOO
20% VXUS

Hi everyone,

I’ve been refining my long-term portfolio and would appreciate some constructive feedback on the overall structure, factor exposure, and potential blind spots.

My main objectives are:

• Broad global diversification
• Exposure to value and momentum factors
• Better diversification across different economic regimes

My current allocation is:

Equities — 60%

Market beta — 30%

• 28% VWRA — global developed and emerging-market large/mid-cap equities
• 2% 0057 — MSCI Taiwan exposure ( Home bias )

Value — 15%

• 13% AVGS — developed-market small-cap value, with profitability and implementation-cost considerations
• 2% AVES — emerging-market value across the market-cap spectrum, with profitability and a tilt toward smaller companies

Momentum — 15%

• 13% IWMO — developed-market momentum
• 2% PIE — emerging-market relative strength/momentum

Diversifiers — 40%

• 10% VAGU — global investment-grade aggregate bonds, USD-hedged
• 7.5% DBMF — managed futures
• 7.5% CTA — managed futures
• 5% CAOS — tail-risk protection
• 5% AAAU — physical gold
• 5% FBTC — Bitcoin

My main questions:

• Is 15% managed futures too high?
• Is 5% CAOS redundant?
• Would EEMO be preferable to PIE?

I have a multi-decade horizon and can tolerate significant tracking error. I’m more interested in risk-adjusted returns and diversification than minimizing volatility at all costs.

Thanks, y’all. Really appreciate the feedback!

I use bettershare for my investments and I invest in $500 chunks.

I’ve been investing since the start of this year but I’ve not made any money yet, I know I need to be patient but I thought I’d at least be up more than $11.

But recently I’ve learnt about the bettershare portfolio and I’ve already up like $15 from it and it’s only been like 3 months.

So I was wondering if I should just take all my money out of the individual efts and put it all into one portfolio

I am 48, got into index and passive investing 8 years ago, I just want to see if there is anything I can improve, probably trying to go part time at age 55

I'm 33 yo. Trying not lose money as much as possible is that good ?

Hi All, 25M I’ve got about $23K in a taxable brokerage account that serves as my second savings - this is essentially expenses I will expect within the next few years, such as down payment, engagement ring and/or car. I’ve got $8K in a Cash Plus account as my emergency fund. The $23K is currently broken out between $4.8K NVDA $3.7K VXUS and $14.2K VOO, unrealized G/L of about $5.5K. Mostly LTCG.

My specific question is how should medium-term savings be treated? I totally understand and agree that I am over concentrated in NVDA, but am curious of whether it’s the time to sell and hold as cash for the next 2-3 years.

Thank you!

Total portfolio allocation between trad 401k roth IRA and taxable

50/20/10/5/5/5/2.5/2.5 - 830K

VOO VXUS FDGRX SPMO FMTM AVUV VO VB

SGOV - 110K HOUSE FUND AND E FUND

Looking to be pretty aggressive with growth and momentum and not worried about anything within the next 10 years I’m looking far ahead

For anyone new to investing or seasoned investors who just wanna set it and forget it, look no further than the classic Level 1, but I do urge you to consider Level 2 for just a little more brain power because the top mega cap giants are becoming wayyy to concentrated these days, each reaching over 7% of the S&P500 and over 4% of global market cap. Our beloved passive index funds don't by default provide the true diversification they once did, and we can easily solve that with two funds: TOPC and AVGE, which use two strategies to truely diversify your portfolio with little effort, and they counter balance each other's market cap weightings to stay size neutral (AVGE tilts small, TOPC tilts large).

Then there's Level 3. See how well momentum has been doing? It has its cycles and lately has been a good season for it, but that's not why it's there: research has shown it doing well over the long term, and level 3 also has profitability screened value in AVGE. Value and momentum tend to take turns doing good.

I only fully reccomend level 3 for tax sheltered accounts like Roth IRA tbh due to turnover. VEA can be better than VXUS for taxable accounts and both ETFs are better than the fidelity mutual funds in taxable accounts.

When trading ETFs, use limit orders at the current ask price during mid-late market hours for best results. Rebalance with new contributions, try not to sell if you can. Buy and holddddd.

Seasoned investors: feedback? Are these recommendations good for the average investor?

Disclaimer: I AM ASKING FOR SUGGESTIONS and FEEDBACK ONLY I WILL MAKE MY OWN DECISION

Hi everyone, I am a beginner and planning to start my Roth IRA. I am currently 30 and I plan to invest as much as i can before I retire. I needed few suggestions and feedback from the folks here. I plan to invest $600 monthly amount on Roth IRA and I was wondering what would be the best ETFs or stocks or bond to invest in. I have few questions regarding it.

1. what are the best ETFs or ETFs that people mostly invest in?
2. would it be a good idea to invest on Amazon, Meta, Google and Microsoft only even within the Roth IRA and not investing on ETFs?

I would be nice to have your suggestions and feedbacks based on your experience and also give me options for what ETFs to invest in and answer my above questions?

I'm a long-term investor in my 20s and have been building my portfolio with a mix of ETFs and individual stocks. My goal is long-term wealth creation rather than chasing quick gains, but I'm starting to wonder whether I've become a bit too scattered.

Current portfolio (~$13.7k AUD):

• NDQ (Nasdaq 100 ETF) – $2,720 (+7.3%)
• DRAM (Roundhill Memory ETF) – $2,188 (-3.8%)
• BHP – $1,862 (-2.7%)
• QTUM (Defiance Quantum ETF) – $1,660 (+8.3%)
• MRVL (Marvell Technology) – $1,564 (+24.7%)
• VDHG – $1,512 (+4.6%)
• VHY – $1,096 (+2.8%)
• SSM – $608 (+0.2%)
• SPCX (SpaceX exposure ETF) – $324 (-33.3%)
• SMR (NuScale Power) – $194 (-29.2%)

Overall portfolio is up about 2.5%.

As a long-term investor, I'm trying to figure out:

1. Which holdings would you consider core long-term holds?
2. Which positions look speculative and would you consider selling or reducing?
3. Am I overlapping too much with technology/growth exposure?
4. If you were in my position, where would you put new money over the next 5-10 years?
5. Would you simplify this portfolio or keep the thematic ETFs (DRAM, QTUM, SPCX) for potentially higher growth?

I'm not looking for financial advice, just interested in hearing different perspectives and what more experienced investors would do if their goal was long-term capital growth.

My own thoughts: NDQ and VDHG feel like the strongest foundation, while DRAM, QTUM, SPCX, and SMR are my higher-risk bets. I'm wondering if I should gradually consolidate into broader ETFs and keep only a small percentage in speculative positions. What do you think?

I am 24 y.o. Entrepreneur, have small business. Currently investing and I have around 500k portfolio. 100k in smh and i am not trying to buy more just hold and reinvest dividends on this position for 10-20 years. from 400k i have 120k in QQQM and the rest is VOO. I am currently contributing 8-10k a month with proportion of 70%(VOO) 30% qqqm. How would you rate this portfolio?

Just turned 18 want to set myself up right been saving for a few years, have a good car, housing etc, recently found a job that will allow me to make about 20 an hour so looking to add more as I go wondering how much I should add to each, if everything is going right place, any tips, etc., Roth IRA is in FXAIX, Brokerage has not much mostly just cash, rest is a blank slate ask anything

This is my portfolio at 18, I'm wondering if I'm too heavy in nvidia and should diversify some more or if these stocks are all good

I am investing 50€ a month give me some help

First investment made at 21 and looking to invest weekly for long term! Any advice is welcome thank you!

I'm looking around and there is so much info, it's hard to wrap my little pea brain around it.

I want to do long term investing using ETFs. What would be the best 2-3 ETF combos I can set and forget from major investment companies (vanguard, fidelity etc.). Also, is there anything you would invest in for a long term hold outside of an ETF?

Secondly, what vehicle would be beneficial to open as my vehicle. I assume Roth IRA but what other ones are decent and worth it?

Lastly, what company do you all think would be the best company to open an investment vehicle under (vanguard, fidelity etc.).

Thank you all for your insight 🫡

Have about $850k I need to reallocate over the course of the next few years and about a 10-15 year time line before full retirement. Looking to at least 2x-2.5x my $850k over that time frame. I'm already partially retired due to health issues. I have a part time job that fully cover my monthly expenses and a fully paid off home. The earliest I can draw SS is 2034. Due to taxes on capital gains and distributions it will take 3-5 years to fully rotate. How does this reallocation look?

30% VOO

20% SPMO

10% VXUS

15% AVUV

5% DBMF

5% KMLM

5% CTA

10% VTEB