Hi there!
I will try to keep this brief, but would really love to have some conversations with others about my allocation because I keep thinking myself in circles.
Currently my portfolio is:
- Spy/Voo: 47%
- VXUS: 15%
- Target Date – 2055: 7%
- SCHD: 5%
- QQQ: 1%
- Individual Stocks: 23% (3% Appl, 3% MSFT, 3% CRM, 3% ABBV, 2% Cost, 2% UNH, 2% JPM, 2% BRK.B, 2% WMT)
I have been targeting a portfolio that will have roughly:
- SPY: 40%
- Target Date: 30%
- VXUS: 10%
- ???: 15%
- Individual Stocks: 5%
(Context, the VXUS will go down as my 401k invests into target date fund which is already 1/3 VXUS but I will use my personal brokerage to help rebalance as needed)
I have held most of the individual stocks for quite a few years, its how I got started investing. They have all done well, luckily to some degree and some due to not touching for a few years.
I have gone back and forth researching, and thinking myself in circles. I have considered just selling my positions in Apple, Amazon, Microsoft, etc and buying QQQ to keep a large cap growth tilt but worry it is just chasing performance.
I have considered heavily SCHD and AVUV; SCHD for the drip effect in my roth to let it accumulate tax free but just havent found a reason to have conviction given my timeline is 20-30 years. AVUV in theory sounds good, the short track record and the ability to stomach downturns of SCV at 10-15% of my portfolio is possible but there isnt a ton of data to back up the fund.
I would love others thoughts and opinions on this, I have been in a mental pretzel for weeks thinking about this.
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