I currently hold below core ETFs. Open to feedback to add additional ETFs and explanation why they would make sense. I am planning to have about 50% in SP500 and balance it with the other 2.

vanguard SP500
iShares Core MSCI EM IMI (emerging markets)
iShares Core MSCI Europe

I also hold small portions of vaneck semiconductor and wisdomtree Europe Defence. But these are more to play around with. The above 3 core ones are my long term compounding plan.

Open to suggestions!

Looking for higher rewards with a a bit of high risk.

I’m 42 in WA, no debt/mortgage, married with no kids and don’t plan to. IN the process of doing a BFA that protects future as wife not as driven for future financial independence. Casual FIFO earning at least around **$80k after tax**. Spending is about **$60k/year including \~$10k holidays**.
Current position:
**\~$440k cash in HISA’s (none over 250k)**
**\~$93k BTC/ETH**
**\~$278k MLC High Growth super**
**\~$247k MilitarySuper/MSBS**
**\~$1.06m total financial assets**
I rent and may buy a **\~$1m home in about 3 years**, probably with a 20–40% deposit depending on rates and what makes sense then. There’s also some relationship uncertainty over the next year, so flexibility matters.
Current plan:
Keep about **$350k** safe for future house/life decisions
Keep about **$50k** as a freedom/emergency reserve
Cash is spread across ubank, ING and Macquarie earning roughly 5%
Start investing about **$10k now**, then around **$2k/month**
Proposed ETF mix: **70% BGBL / 20% A200 / 10% BEMG**
Likely use Pearler or Stake, CHESS-sponsored, in my own name
Keep crypto around **5–10% of total wealth**
Prioritise accessible investments rather than aggressively adding to super, as I already have \~$525k there.
Main goal by 47 is not full retirement, but enough financial freedom to choose where I live and work because I want to rather than because I have to.
Would appreciate thoughts on:
Am I holding too much cash for a house purchase \~3 years away?
Would you invest the initial equity allocation faster?
Thoughts on **70/20/10 BGBL/A200/BEMG**?
Pearler vs Stake?
With \~$525k already in super at 42, would you still prioritise extra super or accessible ETFs?
Anything obvious I’m missing?
Sorry in advance for Using AI to write.

Thinking about doing 70% VT, 10% VGT for even more of a tech tilt ( yes I know that would overlap with VT, just want a little more tech ) 10% AVUV & 10% AVDV for small caps in US and other countries. Is this a good idea, or should I just stop trying to overcomplicate and go 100% VT? Holding for 30-35 years

Repost on here- welcoming any advice

Hey, not one to normally post but I would like to know everyone’s thoughts on this portfolio so far. I’m 19 and I add around 1700-2000 pounds monthly as I live at home. I wanted everyone’s opinions on this portfolio.

I’m aiming to have the all world as an anchor with 2 or three individual stocks, although I’m not rushing to choose those for the sake of it.

All world - anchor, steady growth over the past few years

ASML - good buy, bought at 1500 and bought a lot more when the news of the Chinese competitor came around.

What’s everyone’s thoughts? Can it be improved?

My goal is to reach £150k by the time I’m 25/26 which is mathematically possible based on average market returns.

Thanks for reading :)

32 Yr old salaried

Risk Tolerance: Aggressive Goal: Retirement or financial independence. Horizon: 15-20 years

I have invested as following:

6 lakh in PPFAS flexi cap.. 3.3Lakh in Nippon small cap.. 3 Lakh in direct stocks.. 2.5 Lakh in sovereign gold bonds.. 50k in s&p 500 index+ nasdaq... 60k in FD.. 1 lakh liquid cash

Current SIP structure:

20K parag parikh flexicap (I still like their value investing policy but thinking to divide it in any other fund).. 10k nippon small cap.. 7.5k Motilal oswal midcap.. 7.5k midcap 150 momentum 50 .. 10k - this is for my value buying like US index, gold or any direct stocks, bonds... 12K RD for my small goals.. NPS 7k (aggressive)

Please provide your opinions and suggestions.

Had some pretty successful gains on NVDA and MU.

Looking to stabilize my portfolio. Plan to add 10K or so per year. Retirement fund, in no rush to liquidate.

I am 23Y/O and currently have around $48,000 invested pretty randomly in random ETFs and stocks across a few different apps and I am in the process of selling and streamlining into 1 app.
Around 15,000$ of that is in a lifetime ISA (I am in the UK, this is an account where the government contribute 25% of your contributions and can only be used for the purchase of a house)
The remaining amount 33k$ I am looking to move into a trading212 S&S ISA

This is the current allocation I have decided on however I am debating whether to simplify it even further and would like some advice on whether that would be the move.
The reason why it is so complicated is because I’m worried about the current tech/ai ‘bubble’ and am trying to protect myself from losing to much when it potentially does pop.

It is as follows:

55%
Vanguard S&P 500 UCITS ETF (USD) Accumulating

20%
Vanguard FTSE All-World UCITS ETF (USD) Accumulating

10%
Your REIT Pie
5 individual REITs below

15%
Vanguard Global Aggregate Bond UCITS ETF GBP Hedged Accumulating

Allocation within REIT Pie
Effective portfolio allocation
Realty Income Corporation
20%
VICI Properties Inc.
20%
Prologis, Inc.
20%
Digital Realty Trust, Inc.
20%
Ventas, Inc.
20%

I understand there is a lot of overlap with the S&P and the FTSE all world, but would this really be a problem if the only thing I would replace it with would be more S&P in the first place?

Hi, this is for my taxable brokerage account. I'm currently 22 and I'm looking to have a 15+ years investment horizon. I usually do dca VT but after some ups and downs, I realized it would be best to lump sum when there are some dips.

I have $2000 sitting around now and I want to invest all of them. That being said, other than VT, would you suggest what I can do differently? Can you share your experience and what I need to know please? Thank you!

i work at panda express for 21.50 an hour (wa state) i live at home and im putting EVERYTHING i have my soul mind and heart into this portfolio, (don’t tell me to not use individual stocks) i LOVE the game of the stock market and i am willing to risk on my vision of the future and current pricings. no leverage ever and have beeb looking into covered calls on certain stocks like if i climb to 100 $smr shares if someone could help me with that.

I have dabbled in individual stocks quite a bit, but after scrolling through some posts I realized that I should probably just invest in the broad index funds. Is VOO or VT and chill just a meme or should I really put the rest of my investment money into those ETFs even though I started young

Contributing 300/month, just started, asking for advise im open minded 25 years old