# Starting Portfolio after Studies
**URL:** https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498
**Category:** Investing / Portfolios
**Created:** [July 28, 2024, 8:24pm UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498 "2024-07-28T20:24:58Z")
**Posts on this page:** 7
**Page:** 1
### Author:  [@lazy\_bicycle](https://forum.mustachianpost.com/u/lazy_bicycle)
#### Post date: [July 28, 2024, 8:24pm UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/1 "2024-07-28T20:24:58Z")
Hey there,
In the recent weeks and months I have been researching a possible portfolio that I can follow once I start a full time job after my studies this October. I am 26 years old and plan to roughly invest 2k monthly on Interactive Brokers. The portfolio I came up with looks something like this:
- 30% VTI
- 40% QQQM
- 30% VXUS
Now I am quite unsure if this makes sense, since qqqm and vti have an overlap of 92% (Nasdaq 100). Backtesting this shows nonetheless a better performance, which of course is not indicative of the future. My question here is, if this matters a lot over a timespan of 30-40 years?
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### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [July 28, 2024, 9:43pm UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/2 "2024-07-28T21:43:04Z")
> [@lazy\_bicycle](#):
>
> Backtesting this shows nonetheless a better performance
What’s your thesis for nasdaq over performing over the next decade? (That’s usually the question to ask when deviating from market neutral allocation)
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### Author:  [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)
#### Post date: [July 28, 2024, 10:50pm UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/3 "2024-07-28T22:50:25Z")
I would recommend to just keep things simple
**VTI + VXUS** to start. This would give you flexibility if you want to overweight or underweight US in future. QQQ is very concentrated with few companies and it is completely inside VTI anyways.
For some reason if you prefer higher concentration of big Tech companies then **VOO + VXUS** could also be an option.
The ratio of US vs. non-US is for you to decide. Based on market cap, US represents currently 60-62% of the global market cap. Some people like to underweight US , some like to overweight US and rest simply use market weight
If you are happy with market weight for US stocks, then you can make your life even simpler by just buying ONE global world ETF. Ticker symbol **VT.**
As time progresses, you will learn more and you can fine tune your strategy. Good luck
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### Author:  [@Tony1337](https://forum.mustachianpost.com/u/Tony1337)
#### Post date: [July 29, 2024, 7:38am UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/4 "2024-07-29T07:38:01Z")
Try backtesting 100% Nvidia 🙂
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### Author:  [@TeaGhost](https://forum.mustachianpost.com/u/TeaGhost)
#### Post date: [July 29, 2024, 8:40am UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/5 "2024-07-29T08:40:43Z")
> [@lazy\_bicycle](#):
>
> - 30% VTI
> - 40% QQQM
> - 30% VXUS
Do you hold an american passport? Do you live in the states?
If no: Why the heck do you want to put 100% of your moneys at the Mercy of Donald Trump?
IF you want to use VTI and QQQM as investments (I wouldn’t), then at least offset this with replacing VXUS with UCITS / Ireland based variants with either One World ex US plus an Emerging Markets fund… or a Europe, APAC and Emerging Markets fund.
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### Author:  [@xmj](https://forum.mustachianpost.com/u/xmj)
#### Post date: [July 31, 2024, 4:20am UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/6 "2024-07-31T04:20:56Z")
Trump has a proven track record of being excellent for business, especially the larger shops (Fortune 500, S&P 500) 🙂
Don’t lose out on making money due to political biases.
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### Author:  [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)
#### Post date: [July 31, 2024, 7:46am UTC](https://forum.mustachianpost.com/t/starting-portfolio-after-studies/13498/7 "2024-07-31T07:46:57Z")
