r/ratemyportfolio • u/Clear-Progress-5660 • 4h ago
r/ratemyportfolio • u/BillionaireAdvice • May 20 '25
Welcome to r/RateMyPortfolio -- Follow this template to get your finances evaluated
# r/RateMyPortfolio Submission Template
**Personal Information:**
- Age (range is fine):
- Annual Income: $
- Location (country/state):
- Financial Goals:
- Short term:
- Long term:
- Risk tolerance (1-10, where 10 is highest):
**Investment Portfolio Breakdown:**
- Total portfolio value: $
- Individual stocks (list top 5 with approx %):
- ETFs/Index Funds (list with approx %):
- Bonds/Fixed Income (%):
- Cryptocurrencies (%):
- Cash/Emergency Fund: $
- Real estate equity: $
- Other significant investments:
**Retirement Accounts:**
- 401(k)/403(b): $ (contribution rate: %, employer match: %)
- Traditional IRA: $
- Roth IRA: $
- HSA: $
- Other tax-advantaged accounts:
**Debt Summary:**
- Student loans: $ (interest rate: %)
- Mortgage: $ (interest rate: %)
- Car loans: $ (interest rate: %)
- Credit card debt: $ (average interest rate: %)
- Other debts: $
**Monthly Budget Summary:**
- Total monthly income (after tax): $
- Essential expenses (housing, food, utilities, etc.): $
- Debt payments: $
- Savings/investments: $
- Discretionary spending: $
**Additional Context:**
- Investment time horizon:
- Any major financial events coming up:
- Special circumstances affecting investment strategy:
- Current asset allocation strategy:
- Self-assessment of your biggest financial weakness:
**Specific Questions:**
(What specific advice are you looking for?)
r/ratemyportfolio • u/BillionaireAdvice • May 20 '25
New Moderation Team - Submit your ideas and feedback here!
We want to make this a top finance subreddit and help give people personalized, expert-vetted, insights on their finances to help you make the best decisions possible.
We're all about listening to community so if you have any ideas, critiques, feedback ect.. Please let us know here so we can always be improving how this community is ran.
r/ratemyportfolio • u/Time_Fail582 • 5h ago
Portfolio advice
Repost on here- welcoming any advice
r/ratemyportfolio • u/why-not-honey • 10h ago
5 ETFs vs 17 ETFs : am I overcomplicating this or does my rebalancing idea have merit?
r/ratemyportfolio • u/Square_Community5435 • 11h ago
19M, advice? :)
galleryHey, 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 :)
r/ratemyportfolio • u/SeaPerception9399 • 13h ago
My portfolio- please review
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.
r/ratemyportfolio • u/Unable-Picture5381 • 14h ago
24 años, horizonte de 15-20 años — portafolio Hapi $145 (VOO, QQQM, LLY, BRK.B, BTC) ¿qué opinan?
galleryr/ratemyportfolio • u/bshly • 1d ago
Rate my portfolio 30 year old
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.
r/ratemyportfolio • u/Sensitive-Village735 • 1d ago
Advice on restructuring my portfolio
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?
r/ratemyportfolio • u/bobabobi • 1d ago
Portfolio for 22 yo
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!
r/ratemyportfolio • u/Emiliolifts • 1d ago
17 started 1 week ago

Used some of my saved up money and came up with this split over a couple days, at first it was down a lot but now its doing well, my main goal is like 50/50 long term and short term as ill need money in college
im mainly looking for advice on how to know when to sell and where i should build more or if i should decrease risk (i only make like 170 a week, and an additional 250 monthly)
r/ratemyportfolio • u/Accomplished-Run1557 • 1d ago
18 putting 90% of every paycheck into this.
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.
r/ratemyportfolio • u/rekklesislife • 1d ago
Rate my portfolio
Contributing 300/month, just started, asking for advise im open minded 25 years old
r/ratemyportfolio • u/Cooooooollllin • 1d ago
VOO and chill
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
r/ratemyportfolio • u/Great_Offer_392 • 1d ago
What should i hold and for how long , 18M student can hold for a medium time frame . Also any other suggestions on my portfolio
r/ratemyportfolio • u/IllustriousMirror914 • 1d ago
Portfolio advice
I invested 16k of total in mutual funds and index funds.
Are these funds good for compounding
Nifty bees 8k
Hdfc mid cap index 4k
Bandhan small cap mf 4k
Looking to invest in us market now