Portfolio Reviews
Share your full portfolio for community feedback — allocation, risk, diversification, and constructive critique welcome.
Inherited $150k — how I'm thinking about deploying it
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
Combined our finances — sharing the joint portfolio
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
Year-end portfolio review — full breakdown and changes
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
Too concentrated in tech? Requesting honest feedback
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
First $500k — sharing the allocation that got me here
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
First $500k — sharing the allocation that got me here
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Year-end portfolio review — full breakdown and changes
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
High income, low NW — fixing my allocation
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
Combined our finances — sharing the joint portfolio
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
First $500k — sharing the allocation that got me here
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
Consolidated 5 accounts into 1 — sharing my new allocation
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
Switching from individual stocks to ETFs — my plan
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
First $500k — sharing the allocation that got me here
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
New to investing, built this portfolio — tear it apart please
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
High income, low NW — fixing my allocation
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
Portfolio at 55: am I on track for retirement at 65?
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
Combined our finances — sharing the joint portfolio
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Combined our finances — sharing the joint portfolio
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
Rate my portfolio: 34yo, $320k NW, aggressive growth
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
After-tax return analysis vs benchmark
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
Post-divorce financial rebuild — starting over at 41
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
High income, low NW — fixing my allocation
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Combined our finances — sharing the joint portfolio
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Combined our finances — sharing the joint portfolio
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Post-divorce financial rebuild — starting over at 41
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
After-tax return analysis vs benchmark
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
Year-end portfolio review — full breakdown and changes
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Inherited $150k — how I'm thinking about deploying it
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Rate my portfolio: 34yo, $320k NW, aggressive growth
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
High income, low NW — fixing my allocation
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Rate my portfolio: 34yo, $320k NW, aggressive growth
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
Annual rebalance complete — what I changed and why
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
After-tax return analysis vs benchmark
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
Year-end portfolio review — full breakdown and changes
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Inherited $150k — how I'm thinking about deploying it
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
High income, low NW — fixing my allocation
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Inherited $150k — how I'm thinking about deploying it
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Switching from individual stocks to ETFs — my plan
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
Post-divorce financial rebuild — starting over at 41
Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?
Switching from individual stocks to ETFs — my plan
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
Year-end portfolio review — full breakdown and changes
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
First $500k — sharing the allocation that got me here
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
Portfolio at 55: am I on track for retirement at 65?
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Year-end portfolio review — full breakdown and changes
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
Combined our finances — sharing the joint portfolio
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
My lazy 3-fund portfolio — 10 year update
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
Rate my portfolio: 34yo, $320k NW, aggressive growth
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
First $500k — sharing the allocation that got me here
High income, low NW: making $380k/year, net worth only $180k at 38. Lifestyle inflation destroyed the last decade. Now max every account, live on $90k, invest the rest.
Portfolio at 55: am I on track for retirement at 65?
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
Portfolio at 55: am I on track for retirement at 65?
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.