Advice investing 20yr old
I feel like my portfolio is all over the place any advice what to sell and how to clean it up I have about 15 000 invested ?
u/gggg1129 — 2 days ago
r/ratemyportfolio
SIP REVIEW
Review my SIPs , should i stop ppfc and increase small cap and multicap . Age 39 risk moderate to aggressive. Long horizon for wealth creation
u/ImaginaryStreet2916 — 1 day ago
Age : 30 | Cleaned up my messy MF portfolio — ₹66k/month SIP now. Looking for criticism + home loan vs investing thoughts | Aggressive
Risk Appetite - Aggressive
Goal - wealth creation
Horizon - 10-20 years
Allocation
| Fund | Monthly SIP | % |
|---|---|---|
| HDFC Nifty 50 Index Direct Growth | ₹20,000 | 30.3% |
| HDFC Nifty Next 50 Index Direct Growth | ₹10,000 | 15.2% |
| Parag Parikh Flexi Cap Direct Growth | ₹15,000 | 22.7% |
| Motilal Oswal Nifty Midcap 150 Index Direct Growth | ₹5,000 | 7.6% |
| Edelweiss Mid Cap Direct Growth | ₹5,000 | 7.6% |
| Canara Robeco Small Cap Direct Growth | ₹9,000 | 13.6% |
| Franklin Asian Equity Direct Growth | ₹2,000 | 3.0% |
| Total | ₹66,000/month | 100% |
App used - Groww
How I ended up here
Earlier I invested in funds based on random ideas/recommendations without thinking enough about the portfolio as a whole. Eventually I ended up with around 20–30 funds, including some Regular plans, sectoral funds and a lot of overlap.
Today I stopped the SIPs in the Regular funds and most of the funds I don't want to keep adding money to.
For the new SIP allocation, I sat with an AI bot 😂 and went through different combinations. The objective was to get down to a relatively small portfolio covering large, mid and small caps, with a mix of active and passive investing.
Nifty 50 is intended to be the main core, with Next 50 providing exposure beyond the top 50.
Looking for criticism
What would you change here?
In particular:
- Does the overall allocation make sense for an aggressive 10–20 year horizon?
- Is ~15% midcap + ~14% small cap reasonable, or would you increase midcap?
- Does splitting midcap 50:50 between Motilal Midcap 150 and Edelweiss Mid Cap make sense, or is one enough?
- Is Nifty 50 + Next 50 + PPFC too much overlap?
- What would you do with the ₹2k Franklin Asian Equity allocation?
- With a home loan at 7.25%, would you keep investing ₹66k/month or divert some of it toward prepayment?
Please feel free to roast me
Reworded using AI
u/Bulky-Acanthisitta37 — 2 days ago
Personal Investment Account thoughts
This is my extra funds account (poor compared to alot of you). It has been around awhile and does not have bearing on my lifestyle. I have a seperate managed retirement account, savings, and 2 pensions to look forward to. At some point this year I started adding 500 a month to it after sitting pretty dormant for awhile. It holds mutual funds, dividend reinvestment stocks/eft, some gambles, a few just because I wanted a part of it, and some cheap single shares to test how ai can pick as a watch list. Thoughts, suggestions, and roasts wecome. Pltr is so high bc it was less then 10 when bought. Sold most when I broke even at 14 doing cost price average buys unfortunately. Thank you for viewing and/or commenting.
u/AlternativeEgg9783 — 1 day ago
Thoughts on this portfolio for a 42y expat living off 60k/year in South America
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?
u/Training-Station4017 — 2 days ago
40F, Retirement Portfolio
I have most of my retirement funds managed by a firm. I have a smaller amount I want to invest myself in these 6 funds. Looking for recommendations on % allocation and any missing gaps. I only invest a small portion myself, as a hobby.
AVUV
SPMO
JEPQ
VOO
VXUS
SCHD
u/Mean_Mousse8577 — 2 days ago
18 young investor started 5 months ago have 5300 in my account and am up 7.5% all time. The percentages don’t match because of DCA.
Any advice that may help I know I’m overlapped with voo and qqqm but that’s because I want more growth tilt. I know Google is in both but I’m concentrating ij it because I believe in it and I Believe it’s at a support zone right now. Any recommendations for a growth portfolio that’s medium risk medium reward?
u/SiteForge_ — 2 days ago
Critique/advice on portfolio
Hi everyone, please provide any feedback on my investment portfolio. This is separate from my retirement account. My goal is long-term growth.
Any advice? Also, any advice on what to buy with $3k cash?
u/Frequent-Counter-106 — 3 days ago
Valutate portfolio ETF
Questa è la parte ETF, poi ci sono chiaramente i soliti BTP / BOT. Cosa ne pensate? Cosa cambiereste?
u/EfficiencyOutside753 — 2 days ago
Review my Portfolio
Beginner here, i started investing a while ago and want some suggestion about should i continue to invest in these or should rearrange my portfolio suggestuons would be appreciated!!!
Horizon - 10 Years
Risk is moderate
u/Bad_Snowman09 — 3 days ago
Rate my portfolio
I'm fairly new to investing, so I have positions in a few ETF’s. I auto-invest $200 (willing to increase) into VTI & VXUS but I used to split this between QQQ,VOO and VXUS. I'm stumped on the best way to allocate my split but also if it's best to keep investing in QQQ and VOO every month, but I know they overlap with VTI so I'm not sure if it's still smart to keep them all. How would you all help me navigate fixing my portfolio? Thank you so much!
u/Valuable-Swordfish65 — 3 days ago
Cleaned up my mess of a portfolio, tell me how bad it still is (30M one and half year contributing)
Had like 60+ stocks in this thing and it looked spread out but really wasn't. Bunch of tiny random stocks and a few ETFs that were basically buying the same stuff twice (Barely any international either.
So the last few weeks I:
- Sold like 16 stocks/ETFs outright (VTI, JEPQ, ARKK, MSOS, a few others nobody needs)
- Switched my US core to SCHD + SCHG instead of just VTI
- Actually put real money into international stocks for once
- Kept a few bets I like but made the sizes make sense instead of random (AI stuff, cybersecurity, China, nuclear
- I also have 26k in SGOV
Am I missing any ETF? Thoughts? Roasts?
u/bushdidgt3 — 5 days ago
Concerns over portfolio
Hello,
I am just wanting to know what you guys think of the current holdings I have.
u/Economy-Tune-8194 — 4 days ago
20y rate my portfolio
Hi, started investing about 8 months ago. Should i diversify more, buying some etfs?
u/Effective_Cod_625 — 4 days ago
Beginner investor. Would really appreciate you thoughts on my watchlist
I’m new to investing and researching stocks for the long term (5–10+ years).
I’ve done my own research and made this watchlist. Would love some honest opinions from experienced investors.
Which would you buy, avoid, or research further and why?
Feel free to criticize the list. I’m here to learn.
u/sushant020 — 4 days ago
What would you add to this portfolio next?
Early-stage investor here. I’m building a long-term portfolio and currently have the positions below.
I’m planning to keep adding money regularly and I’m trying to decide whether my next purchases should be:
- adding more to companies I already own
- adding a new individual stock
What would you personally buy next and why?
I’m particularly interested in hearing what you think my portfolio is missing / where I’m overly concentrated.
u/Creative_Welder6997 — 4 days ago
▲ 16 r/ratemyportfolio
Feedback on my portfolio
25 years old, started investing 2 months ago, invested in VOO a few days ago. Planning to hold these ETFs for multiple years. Is this or good spread or does anything need to change? Thanks!
u/mattyp278 — 3 days ago
28 M Is this a good split?
Maxing Roth IRA this year first with this split. Then will be focusing on more VXUS and VB in my brokerage account. Also have 65k in my 401k mainly in target funds. Any thoughts are appreciated!
u/ilo-milo — 3 days ago
▲ 10 r/ratemyportfolio
Weekly purchases. Thoughts?
This is the breakdown of my weekly ETF purchases. Thoughts?
u/OkCalendar8687 — 5 days ago