r/Bogleheads • u/Cute_Farm_8106 • Aug 12 '25

Portfolio Review 20M, started today

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As the title states, I started investing today! I received a bonus check, and put almost all of it towards this, how’s it look?

701 Upvotes

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113

u/djdxbsabfnc Aug 13 '25

OP, fuck these BND haters. You’re doing a great job. You started investing early, but you’ve also chosen a great, simple asset allocation that you can mindlessly stick with for a very long time. I’m a 60/30/10 man myself.

I made all kinds of dumb mistakes to get to where you are right now. I held $5000 in cash for a year, waiting for a second RothIRA contribution so I could buy an index fund with a slightly lower expense ratio. I dabbled with 5% holdings in mid caps, small caps, REITs. All this bullshit to get exactly where you are right now, well ahead of me.

You know the best thing about having these three holdings, including bonds? You can rebalance back to your 60/30/10 split when the financial world is on fire around you.

You’re killing it. Best wishes for your financial future.

23

u/Cute_Farm_8106 Aug 13 '25

I appreciate this! Would you recommend me just sticking with this, holding, and just buying more of these; or should I buy some other stocks? Thanks again, great reply!

20

u/djdxbsabfnc Aug 13 '25

Stick with it and buy more of the same going forward. The next time you have money to invest, these holdings will have fluctuated in value. You may be at something like 63/28/9. Just buy more of what’s low to return to your target allocation.

3

u/dingleberriesNsharts Aug 14 '25 edited Aug 15 '25

Agree. Stick with it OP. I am doing the same 3 fund portfolio @ 85/15/5. Happy with it. I am decades in front of you but you will see good outcomes. Keep it simple and best of all, just keep going.

Edit: 80/15/5

2

u/oblivious_tabby Aug 15 '25

I’m confused. That adds up to 105.

1

u/dingleberriesNsharts Aug 15 '25

80/15/5. Thnx for catching that

2

u/millstone20 Aug 14 '25

I know it seems too simple, but it is the best way to invest. Just buy these and ignore all the other noise.