https://preview.redd.it/ci5chvwikckh1.png?width=1016&format=png&auto=webp&s=072d260539127669f90ba7f1ff84e5704d8550bd

Nos últimos 12 meses, minha carteira rendeu 29,85%, com volatilidade de 15,8% e Sharpe de 1,42.

Minha principal dúvida hoje é a concentração indireta em tecnologia americana, principalmente pela combinação de QQQM + AAPL + NVDA + GOOG. Como o QQQM já tem posições relevantes nessas empresas, a exposição acaba sendo maior do que parece à primeira vista.

Vocês reduziriam essa concentração ou manteriam a posição pensando no longo prazo?

https://preview.redd.it/m41s1125b5kh1.png?width=1016&format=png&auto=webp&s=507dd819db56b190cd9d1e7d81876854410ce209

Nos últimos 12 meses deu +29,85%, com volatilidade de 15,8% e Sharpe de 1,42.

Minha maior dúvida hoje é a concentração indireta em tech americana entre QQQM + AAPL + NVDA + GOOG.

Vocês reduziriam essa concentração ou manteriam pensando no longo prazo?

https://preview.redd.it/yy5hbin3znjh1.png?width=1280&format=png&auto=webp&s=3bb6e48ef3d1fb265ee963d1a271253853e00e89

Thoughts on this portfolio for a 42y expat living off 60k year in south america.

$1.82M portfolio, generating roughly $50K/year in income, with a 23.6% 1-year return.

The allocation is pretty interesting:

• 22.3% VTI
• 15.2% VYMI
• 15.2% VYM
• 13.3% VOO
• 8.0% GPIQ
• 6.6% TTTXX
• 4.9% SMH
• 4.1% BTC
• 3.9% VXUS
• 2.8% JEPI

The thing that stands out to me is the combination of broad-market exposure + a very large income tilt, while still maintaining some exposure to technology and crypto.

Would you consider this reasonably diversified, or is there too much overlap between VTI, VOO, VYM and VYMI?

And at ~$50K/year in income, would you prioritize maintaining the income level or simplify the portfolio further?

https://preview.redd.it/a7486rpprcih1.png?width=2856&format=png&auto=webp&s=e32f2fefc88cba64a018260d30a97734ff162119

https://preview.redd.it/0qj9lnmxrcih1.png?width=2886&format=png&auto=webp&s=e1221fbd4af4c0754a77265cf01e2da2b679f3b4

11 positions, mostly broad index + high-dividend ETFs with a small gold and BTC sleeve. Rough breakdown:

• VTI — 25.4%
• VOO — 19.5%
• VYM — 18.5%
• VYMI — 16.8%
• GPIQ — 5.7%
• JEPI — 5.3%
• GLDM — 3.3%
• QQQM — 3.0%
• JEPQ — 2.5%
• DTCR / IBIT — negligible, rounding error at this point

Total value ~$1,663,000, projected annual income ~$45,000 (2.71% yield).

A few things I'm chewing on:

• VTI + VOO is a lot of overlapping US total-market exposure — worth trimming one down?
• VYM/VYMI/JEPI/JEPQ is four different flavors of "dividend/income" stacked together — diminishing returns on diversification, or does the mix actually do something?
• GLDM and the BTC/DTCR positions are rounding errors — worth sizing up or just cutting?

(Built this view in a portfolio tracker I've been working on — happy to answer questions about the setup, not here to pitch it.)

https://preview.redd.it/ucx38vp5s40h1.png?width=2208&format=png&auto=webp&s=510985d10344e7ce09638483dc8ed0fe29d54293

+ 100k in BTC. US citizen, 42y early retiree living in brasil on 60k/year.