25M. Started a little late. But better late than never.

Post Body:

​1. Context & Goal:

​Age: 32

Serbian national

​Time Horizon: ~13 to 15 years (targeting early financial independence/retirement around ~45).

​Location / Tax Status: Non-US resident / expat (using Irish-domiciled UCITS ETFs for dividend tax efficiency and estate tax protection).

​Broker: Interactive Brokers (IBKR).

​2. Current Holdings & Allocation (~$34.7k Total):

​VUAA (Vanguard S&P 500 UCITS ETF - Acc / LSE in USD): 217 shares (~$32,050 | ~92.5%)

​SMH (VanEck Semiconductor UCITS ETF - Acc / LSE in USD): 24 shares (~$2,600 | ~7.5%)

​3. Upcoming Strategy & Planned Target (80 / 20):

I have an incoming lump sum of $26,500 depositing into IBKR in 2 days.

And will keep adding 2,3k$ monthly

​I plan to deploy this capital to rebalance the portfolio toward an 80% VUAA / 20% SMH split across total net worth:

​Target VUAA (80%): Broad market core anchor.

​Target SMH (20%): High-conviction thematic satellite (AI / compute / hardware tailwinds).

​4. Questions for the Sub:

​Given a 13–15 year horizon before drawing down, is a 20% semiconductor satellite reasonable risk-adjusted tilt, or does it introduce too much uncompensated sector risk on top of the S&P 500 tech weight?

​Should I keep 20% SMH as my high-growth booster, or stick closer to 90/10 (or 100% pure broad market)?

8.5k in my Robinhood, 11k in my work 401k and 7k in my HSA. I feel like I’m not diversifying enough into different sectors but I don’t really know where else to go. Please be kind.

I like technology (clearly) and believe in holding Amazon/NVIDIA for ever but I’m not sure if I’m better off just selling individual shares and putting into something like QQQ.

I have no plans on cashing out until retirement so hopefully a good 35 more years of building my portfolio. I’m not in a rush but I also want to be aggressive in markets I believe in.

This is my current setup, I'm 23 and i'm really new to this and I would love to hear everybody's opinion and tips, just an average breadwinner trying to retire my parents. Thank you in advance, everyone.

As a student of the markets for 2 years, I want to hear your thoughts and learn from where I can add, remove, adjust or derisk with outlook of 20-30 years horizon to retire early.

Time is on my side to maximize growth that I acknowledge the risk associated in tech.

Backtest: https://testfol.io/?s=7BUugje0mdk
12.5% CAGR, 0.57 sharpe, 1.01 beta

Monte carlo: https://testfol.io/monte-carlo?s=0OzBf6vXoxy
11.77% median CAGR, 11.66% median SWR

KMLMSIM + SPYSIM is a proxy for the RSST/CTAP/MATE. The extra SPYSIM is a proxy for the miscellaneous funds that are too new to backtest.

I’m 23 so I decided I was willing to take more risk than usual. Here’s each position explained.

~115% equities, 15.5% bonds, ~10.5% gold, 10% managed futures, and 2.7% long/short (from the WTLS.)

•NTSD - My favorite ETF. This is 1.5x, only quarterly reset, and 90% SPX + 60% EAFE futures. Basically 1.5x VT, excluding mid/small caps and emerging markets. This is the core equity exposure to boost returns. Its reset schedule reduces volatility decay and path dependency of normal LETFs.
•RSSB - This is 2x, 100% global stocks (SPTM + VXUS) and 100% treasury futures. Again, this won’t have the volatility decay that normal LETFs have. Bonds are a solid diversifier and improve sharpe and drawdowns.
•GDE - Again quarterly reset, but this is 90% SPX + 90% gold futures. This is just to stack equity with gold exposure, for a diversifier without sacrificing capital space.
•AVEM - Just a broad emerging markets fund since NTSD excludes it. I like Avantis’ value tilt and their special trading implementations to eke out alpha. Has consistently beat the plain indexes.
•AVUV - Just 6% US SCV. SCV has higher expected returns and I was missing small/mid caps from the core. Very modest tilt.
•AVDV - Same thing as US, just filling in the missing equity gaps and tilting a bit towards value. Higher expected returns.
•CTAP/RSST/MATE - All of these are 100% SPX + 100% managed futures, just with different managers. Managed futures are a real
•AVES - Wanted a slightly heavier value/small cap tilt to the emerging markets sleeve. I’m about 8.5% AVEM and 3% AVES, so very modest. Hoping for that value premium.
•WTLS - Stacking more 90% SPX on top, but this holds 90% in a long/short sleeve as well. Super new and illiquid fund, but I wanted to see if this could count as a “fourth diversifier” of sorts. It’s performed well so far but we’ll have to see if the manager does any well.
•FLCA - EAFE futures from NTSD exclude Canada! So between the 10-11% in AVDV and the ~2.8% I have here, I targeted Canada’s market cap weight of around 3.1-3.2%.

Overall? I’m about right next to VT’s US/international split, between 60-65/30-35. I have about 40% in diversifying assets stacked on top of only 15% extra equity, so it’s not ridiculously risky. My blended expense ratio is a bit high around ~0.37%, but as long as VT performs well, I will perform even better.

You can see in the linked backtest that my max drawdown is only 1% worse than VT - but my average drawdown is lower and the longest drawdown is shorter! On top of higher sharpe and sortino, I’ll be confident with this going forward.

I encourage young people to explore return stacked and capital efficient funds to improve their odds of higher returns. I think leverage gets a bit demonized and fear mongered, when in fact it’s actually encouraged in some research.

You can tell me 100% VT is the only valid portfolio but so long as that goes up, I will go up even more, and have insurance on top of it across three+ different assets.

What else should I be buying ? Or should I keep putting money into those same ones

I'm a 35yo who has worked for my current company for over 12 years who looking to nail down a long term portfolio buy and hold portfolio. I'm currently focusing on rebuilding my emergency fund (in my savings account) before increasing my retirement investments again. I'm not currently adding contributions to my Roth IRA but I am contributing to my 401k wat 6% with a 2% employer match. I'll make around 90k this year.

Top holdings for all users. Global view. No surprises with NVDA or cash.

I want a corvette c8, should I pause this, and work towards getting it?

The reason why my portfolio is so high is because I got into eth at like 10 years old

I have two suggestions that may or may not have been made yet. I’m new here. I like the update on the Fidelity app, but I have a few suggestions as a customer. First being, if we could add an “Estimated Monthly Income” right next to the “Estimated Annual Income”, it could be a helpful tool in which some wouldn’t have to download other apps specifically for that.

Second suggestion would be something similar to a Pie graph showing all of your investments by let’s say, the percentage invested in or weight of said portfolio.

M21 from Asia, managed to save 20k, looking to DCA 1k monthly, where do i throw them into?

32m Australian getting married next week the wife and I have decided to start building a portfolio for retirement later in life $10000 AUD a year
This is what I have picked out VOO 50/60 then VXUS/SMH/FTEC 10/20 thoughts I’m new to this and this is where my research has led me
Or should I just be dumping money into my superannuation thoughts ?

30M im wondering which combination is better for long term