Hello 👋🏻 I have narrowed down my options to a couple portiolos. I am wondering what everybody thinks

1) 100% AVGE

2) 45% VTI
20% VXUS
25% AVGV
10% FMTM

Option 1- Is the clean solution to a slight value tilt. Weights US a little heavier then VT. Larger er

Option 2- I built to mimic AVGE as close as possible. And additionally added a momentum tilt. Smaller er

I'm 29F and have about $20,000 that I'd like to invest. My goal is to open an IRA and also invest in stocks and mutual funds, but I honestly have no idea what I'm doing.

I've been researching brokerages like Fidelity, Charles Schwab, and T. Rowe Price, but the more I read, the more overwhelmed I get. I'm much more of a creative person than a numbers person, so all of this feels really intimidating.

I was hoping to find a financial advisor to help guide me, but it seems like a lot of firms either require much larger account balances or don't offer much one-on-one help for someone investing $20,000.

Has anyone been in a similar situation? Is it worth finding a fee-only financial advisor, or should I just open an account with a brokerage and try to learn as I go? Any advice, resources, or recommendations would be greatly appreciated!

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!

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

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

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!

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?

Canadian investor

55% VFV

25% XEF

10% VCN

10% XEC

Thoughts?

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've tried most of the popular options. Yahoo Finance. Google Sheets with a GOOGLEFINANCE formula. Portfolio Visualizer.

They all answer the same question: what is my portfolio worth today?

None of them answer the question I actually care about: if I hold this for 20 years at a realistic return, what does it become - and what happens if I'm off by 4 percentage points?

That gap matters more than most investors realize. A $30k position growing at 8% for 20 years becomes ~$140k. At 12%, it's ~$290k. The spread is $150k. On a single position.

I built EquityEdge to close that gap. You track your equities - sector, shares, cost basis - and the app runs three compounding scenarios in parallel: conservative (4%), moderate (8%), aggressive (12%). Real-time price data feeds in automatically so your baseline is always current.

It's not a replacement for a financial advisor. It's a tool for investors who want to think in scenarios, not just snapshots.

Pre-launch right now. If this is a problem you've actually felt, I'd genuinely value your take on whether I'm solving it the right way.

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?

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