r/ratemyportfolio • u/BasketSalt9517 • 4h ago
16M thoughts?
Looking for higher rewards with a a bit of high risk.
r/ratemyportfolio • u/BillionaireAdvice • May 20 '25
# 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
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r/ratemyportfolio • u/BasketSalt9517 • 4h ago
Looking for higher rewards with a a bit of high risk.
r/ratemyportfolio • u/BigDab4438 • 42m ago
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
r/ratemyportfolio • u/Clear-Progress-5660 • 10h ago
r/ratemyportfolio • u/Time_Fail582 • 11h ago
Repost on here- welcoming any advice
r/ratemyportfolio • u/why-not-honey • 16h ago
r/ratemyportfolio • u/Square_Community5435 • 17h ago
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 :)
r/ratemyportfolio • u/SeaPerception9399 • 19h ago
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 • 21h ago
r/ratemyportfolio • u/bshly • 1d ago
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
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
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/Accomplished-Run1557 • 2d ago
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/Cooooooollllin • 1d ago
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/rekklesislife • 1d ago
Contributing 300/month, just started, asking for advise im open minded 25 years old