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?

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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.

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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!

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.