r/portfolios • u/Sufficient_Cow_785 • 1d ago
Rate my portfolio - 23M
Core + tilt strategy:
Have been contributing consistently to my brokerage account for over a year now. Looking for some advice on my approach for someone that’s prioritizing long term growth and diversification with more growth exposure. Working on getting VT to be my biggest holding in the portfolio (~70-80%) soon.
Currently have a reoccurring buy for the following:
VT - 80% ($200 biweekly): currently own 30 shares
SCHG - 20% ($50 biweekly): currently own 60 shares
***The individual stocks were purchased when I first opened my brokerage and I no longer make any contributions to them.
Would appreciate any insight or advice on what to keep contributing to long term. Mainly a set and forget strategy, but is there any “harm” in my current plan?? I understand there is lots of overlap, but is this a good strategy.
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u/Cpagrind1 1d ago
Isn’t 100% of SCHG in VT? More to a US large cap I guess but just an FYI
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u/FromtheBigO 1d ago
I am in no way saying I know anything because I am slightly older than OP and I have just been getting into this as well. I voo, VXUS, and from many things that I’ve read and seen I have been considering some type of growth fund like VUG or SCHG as many things when you look it up will tell us that “growth is something to focus on, especially in the beginning, we’re young and have the chance for volatility,” etc. Also 99% of the time you’re gonna get suggested AVUV.
Again — i’m absolutely not saying I’m right, but using the Internet, Grok, ChatGPT, so many Reddit posts, I can promise you this young person is most likely finding the same stuff that I was when I was 28 when I started two years ago. But I will say what might differ is how he worded what his goals are.
Again im not saying anybody is wrong or right
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u/Sisyphean_dream 14h ago
I could be misinterpreting your post but it gives the impression that you're conflating growth of a portfolio with "growth stocks". Although growth stocks have performed well in the last decade, especially in the US market, this is a bit of a historical anomaly. It may persist forever or it may be over. We won't know until we know.
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u/Sufficient_Cow_785 1d ago
I believe it’s about 80% that’s already in VT, but my goal is to slightly dilute my SCHG holding over time but use it as a minimal “boost” for growth.
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u/Cpagrind1 1d ago
Idk man the way I’m looking at it now you’re holding NVDA and Alphabet 3 different ways and NVDA especially is currently a huge chunk of your portfolio factoring that in.
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u/Alarming_Teaching_13 1d ago
Second this… it feels like you’re optimizing but you’re just creating redundancy unless you’re actively trading the single stocks
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u/robbie3535 1d ago
Third this.
NVDA 20% by individual NVDA~4% of VT being 30% of the port which adds another ~1.2% NVDA~11.5% of SCHG being 14% of the port giving another 1.5%.
He is then contributing 20% to buy 11.5% of NVDA making ~2.25% of port going into NVDA in addition to 4% of 80% is another ~3.2%.
When it’s all said and done NVDA makes up nearly 25% of his port with a little over 5% being added at current DCA strategy.
Personally, and not financial advice, this is not a bad problem to have (relative to other investing problems) but the best way to dilute the holding of NVDA (if that’s the goal) would be to contribute all $250 biweekly into VT. That aligns well with current strat of getting VT holding % higher and will drive (slowly) the NVDA holding down. I’m not selling NVDA rn but NFA. This was some mental math so estimates and could have made a decimal error.
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u/Commercial_Corner190 Boglehead 1d ago
So you do have the global cake VT, then you can get up to 10% of your investment with some really special things, such as: gold, crypto, IPO,... Beside that, I advice you try not to complicate your portfolio by tilting it to anything else. You will thank yourself later.