Feedback on ETF Portfolio

Investing / Portfolios
1

Hello colleagues

After having solid foundation by real estate, global 70/30 ETF portfolio, BTC and gold, I want to have a more spicy portfolio for fun.

Time horizon: 30years

  • 40% VOO
  • 30% QQQM
  • 20% AVUV
  • 10% AVDV

Can you please share your thoughts if there is some sort of diversification and you see reasonable return for this allocation?

Thanks!

Stefan

3

I don’t know that kind of answer you’re looking for.
1 - Obviously more concentrated, less diversified - you called it spicier yourself.
2 - Yes for sure there can be reasonable return. Might over- or underperform a 70/30 portfolio. No one here can predict the future.

You might want to investigate why you’re wanting to “spice up” your investing.

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4

Too little for me. You have what, 5% in each Mag7?

5

If you want spicy, you need individual stocks.
What you shared above is boring index investing :wink:

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6

Then this is not at all spicy, it’s just a redditesque big US and non-specific tech tilt with some Ben Felix thrown in!

Assuming this is the bulk of your NW (say >90%) which can hopefully grow well over time, to make things more spicy you probably need to bet and trade, such as playing (market timing) with some instruments like SOXL/FNGU and SOXS/FNGD, and crystalballing with futures and options :slight_smile:

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7

Regarding individual Stocks: I wish I would be good in that, but I tried before and was not able to beat the market.

8

It seems you’re in the “boring middle” of investing. This is a feature not a bug.

So what motivated your current post?

I see two options:

  • looking to increase performance to get rich quicker,
  • trying to get an adrenaline kick (possibly what you experienced in the beginning of your investing career from fluctuations, though now you got used to them).

My best suggestions:

  • for the first: review literature and your beliefs about predicting the market,
  • for the second: realize investing is not supposed to provide a rollercoaster of emotions. Maybe take up rock climbing or mountainbiking for some fun action outside your investments :wink:
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9

So you couldn’t beat the market with stock picking and then you decided to beat the market with index picking ?

Let’s first agree what’s the goal -: beat the market or have spicy portfolio?

I am asking because they might not be same things

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10

Good questions!

Yes, I think investing got very boring when I achieved to secure future retirement needs, which was all done by conservative approaches.

I want that great feeling back where you were daily checking your portfolio and enjoyed the ride.

Beating the market was never the goal, but it might bring back the joy of investing.

It will be 10% of net worth where I am pondering on what to do
am even close to buying a boat that I don’t really need.

I am fully aware these are spoiled 1st world problems :grinning_face:

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11

Okay so you’re looking at investments to provide you with suspense and emotions.

Ponder if this is the right outlet.

If so, I agree that you’ll probably progress from ETFs to individual shares to daytrading to whatever riskier financial instruments.

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12

If so, I strongly encourage you to put up strict guardrails around your gambling along the lines of: only 10% of the portfolio, never more than X amount, maximum risk taken can be a full loss.

Heck, why not buy the boat instead, hope it’s a sailboat - invite the forum to an outing :wink:

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13

Sounds like a core+satellite portfolio is for you. 90% in a boring ETF, and with 10% you can even do stock picking. Or ETF picking, doesnt matter. But yes, create rules that you have to stick to :slight_smile:

14

Is there a joy in investing? Is cooking better than eating? Is flirting better than effing?

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15

Why don’t you go to Europapark instead?

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16

Sorry, I don’t understand why we are making fun of the OP. One of the biggest threads here in the forum is about stock picking. Are we now making fun of everyone who doesn’t just want to buy and hold ETFs? Some posts here don’t seem constructive to me.

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17

What‘s your reasoning behind being 90% US?

18

Sure, but this stocks picking has a goal: trying to beat the market or having a cash flow. Here OP wants thrills, which is counterproductive for investment outcomes.

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19

Why don’t you go to Europapark instead?

Wonderful idea, maybe I should just spend my savings and enjoy life! You only live once, right?:+1:

20

I don’t perceive any of the responses here as that.

No, not at all.

A classic for our family for many years now, go at least twice per year, not even that expensive considering what you get, costs about 350/trip and it’s all worth it.

21

This is not a mocking, there are tons of studies that show pretty clearly - the more time you spend tweaking your portfolio and the more emotionally involved with the investment you are, the worse are results. But in the end this is your decision, of course.