r/ratemyportfolio

What am I doing? Any tips would be helpful
▲ 4 r/ratemyportfolio+1 crossposts

What am I doing? Any tips would be helpful

Please be gentle, I'm Canadian. I'm new to investing and I'd like to retire very soon.

I do know that QQQ and QQC are basically the same. Same with VEQT and XEQT. I'd consolidate if it would make much of a difference.

I also have RRSPs.

I'm thinking about getting $60k in XUS and XIU. Maybe some XGD. Any suggestions?

u/CountOnBeingAwesome — 7 hours ago
▲ 2 r/ratemyportfolio+1 crossposts

Help with diversifying 4 accounts based on risk

I'm a 23 M, just started working full-time out of college (just got my first paycheck), and am trying to do my best to research what ETFs I should be investing in across my four accounts. My goal is to primarily be a set it and forget it kind of a guy and only make changes in extreme circumstances.

After some research, I've come up with this sort of ranking of each account based on risk I want to take with it (this may seem obvious but I'm a newbie):
[Low to high risk]: 401k, Roth IRA, CMA/MMMF, Brokerage

Currently my Roth is in a TDF (FDKVX), my Brokerage is in VT, and my CMA is in VOO, but I think I can do better. My consensus so far is that I can probably do VT or a TDF with my 401k, either keeping VOO (or maybe VTI but I know they're basically the same) for the CMA, and QQQM with my brokerage account. But I still haven't really figured out how my Roth will fit into this puzzle, but I feel like a TDF is not the right answer for it.

Thank you in advance.

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u/Alarmed-Ad9842 — 3 days ago

Rate my long term diy ETF 19m

I j got rid of dram and nasa out of this j because there expense ratio is so high. But this week added 10 more shares of oracle since it was discounted, added 22 shares of nokia since it was under $12 after i’m fully out of dram and nasa probably gonna add space x when it goes under $135. also this is j my longs not my entire portfolio right now im like 55% plus of all my money in my longs.

u/Own-Needleworker5872 — 4 days ago

Semicon ETF?

I just started investing a week ago. My prime holding is VOO, and decided to get a semicon ETF too. I was choosing between SMH or SOXX. Eventually I chose SOXX. Did I do the right thing? Please let me know your thoughts thanks!

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u/IamACroissant29 — 3 days ago
▲ 21 r/ratemyportfolio+2 crossposts

Just started investing 20/y, need guidance

Hey all, I just started investing into my portfolio and I really have no idea what I am doing, I have invested into a few different etfs but after reading I am seeing that I may have double dipped, does anyone have any recommendations as to if I should reconsolidate into just one etf? For reference, I am also gonna max out my Roth irs by end of the summer, any tips are appreciated!

u/Extra-Development330 — 5 days ago

17 y/o

started investing in august at 16, give me advice and good stocks. moderate risk tolerance!

EDIT: started with zero prior experience nor exposure to any investing beforehand

u/Few_Neighborhood259 — 5 days ago
▲ 1 r/ratemyportfolio+1 crossposts

Stop buying VOO and VTI

These are essentially the exact same and move in a 1.0 correlation. If you own any of these check out Corrly.com to get your portfolios risk profile explained to you in simple terms.

u/Ok_Process_8536 — 4 days ago
▲ 10 r/ratemyportfolio+1 crossposts

Please help me get started

I put in $400 so far, and want to add more than $2,000 to my brokerage so I can see real growth. I was thinking about buying AMD, DRAM, and fast-growing tech stocks to diversify my portfolio but I’m not sure how to go about it. Any advice helps!

u/National-Geologist52 — 5 days ago

Rate my portfolio(s)

First one with RY and other is my TFSA, looking for long term 30-50 year holdings.

Second pic is a non-registered, looking to just trade month to month and make some money.

u/LiamD0822 — 5 days ago

Opinion?

I'm relatively new to investing and would really appreciate some advice.

I'm a doctor, so I don't have much time to research stocks in depth. My strategy so far has been to invest monthly and buy companies that I come across through news, Reddit, YouTube, and other investing channels. I know that's probably not the best approach, but I'm still learning.

My question is: when a stock has gone up this much, what would you do?

Continue holding and keep adding small amounts over time?

Take some profits now and buy back later if it drops?

Sell the entire position and reinvest elsewhere?

As a beginner, I'm finding it difficult to know when to take profits versus simply letting winners run. Any advice or constructive criticism would be greatly appreciated. Thanks!

u/Rheumagirl — 6 days ago

Rate my long term diy etf 19m

Not my full portfolio j my longs only. Was thinking bout adding one more sector to the list but not sure what to add yet. was at 59% beginning of week last week got hit hard but we still up so i can’t complain.

u/Own-Needleworker5872 — 9 days ago
▲ 13 r/ratemyportfolio+1 crossposts

25F, just started investing.

Hi everyone,
I’m 25F and I’ve recently started investing. My goal is to build long-term wealth and reach a €1M+ portfolio over the next few years.

Current portfolio:
Vanguard FTSE All-World UCITS ETF (VWCE)
iShares MSCI World Small Cap UCITS ETF
VanEck Semiconductor UCITS ETF
My emergency fund is separate from this portfolio.
Over the next few months I’ll be investing an additional ~€180,000, and after that I plan to invest around €3,000 every month for the foreseeable future.
Before allocating that capital, I’d love some honest feedback.
Does this portfolio look well diversified?
Am I missing any important asset class?
Would you add a gold ETF or any other diversifier?
Would you keep the semiconductor ETF or replace it with something else?
If this were your portfolio, what would you change?
Investment horizon: 30+ years
Risk tolerance: medium to high
Goal: Long-term buy-and-hold investing.

u/Erbette555 — 9 days ago
▲ 23 r/ratemyportfolio+3 crossposts

18yo Current Portfolio, thoughts?

High growth portfolio, with high risk tolerance. Every paycheck I put away 20% but I plan on increasing it to 40%. Work like no other now, work like no other later. Thoughts? Net worth goal of 50k by end of year.

u/Thedudebrofdude — 12 days ago

First Time Investor Portfolio

Decided to invest for the first time and wanted to share my portfolio. Split $2000 between the following 8 stocks:

AAPL (APPLE)

ATI (ATI TECHNOLOGIES)

DDOG (DATADOG)

PANW (PALO ALTO NETWORK)

PKOH (PARK OHIO)

TSM (TAIWAN SEMICONDUCTOR)

TTWO (TAKE-TWO INTERACTIVE)

WBI (WATERBRIDGE INFRASTRUCTURE)

Thoughts and feedback appreciated!

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u/Autism_Types — 10 days ago
▲ 5 r/ratemyportfolio+2 crossposts

Reality check on my ETF pie & individual stock pie - think I’ve got the logic right but not 100% sure.

ETF pie

S&S ISA, core + structure:

• VWRP — 55% (anchor)
• RBOT — 20%
• AIPO — 15%
• NUCG — 10%

(ETF weightings have been adjusted after market closed)

Logic is all-world does the heavy lifting, three satellites tilt toward themes I think will outperform — automation, AI power infrastructure, nuclear.

Tried to keep them distinct from each other but also from my individual stock picks (see photo) — avoiding doubling up on names already covered by the ETFs.

Not sure if 45% satellites is too aggressive, and RBOT/AIPO probably overlap more than I’d like. No healthcare or defence exposure either - gap worth plugging or overkill?

Is this a decent structure or am I just trend-chasing with extra steps? Pic of individual holdings attached - thanks in advance !

u/Nukesgameplay — 12 days ago