How to best allocate final 15% of my porfolio?

Hi there!

I will try to keep this brief, but would really love to have some conversations with others about my allocation because I keep thinking myself in circles.

Currently my portfolio is:

  • Spy/Voo: 47%
  • VXUS: 15%
  • Target Date - 2055: 7%
  • SCHD: 5%
  • QQQ: 1%
  • Individual Stocks: 23% (3% Appl, 3% MSFT, 3% CRM, 3% ABBV, 2% Cost, 2% UNH, 2% JPM, 2% BRK.B, 2% WMT)

I have been targeting a portfolio that will have roughly:

  • SPY: 40%
  • Target Date: 30%
  • VXUS: 10%
  • ???: 15%
  • Individual Stocks: 5%

(Context, the VXUS will go down as my 401k invests into target date fund which is already 1/3 VXUS but I will use my personal brokerage to help rebalance as needed)

I have held most of the individual stocks for quite a few years, its how I got started investing. They have all done well, luckily to some degree and some due to not touching for a few years.

I have gone back and forth researching, and thinking myself in circles. I have considered just selling my positions in Apple, Amazon, Microsoft, etc and buying QQQ to keep a large cap growth tilt but worry it is just chasing performance.

I have considered heavily SCHD and AVUV; SCHD for the drip effect in my roth to let it accumulate tax free but just havent found a reason to have conviction given my timeline is 20-30 years. AVUV in theory sounds good, the short track record and the ability to stomach downturns of SCV at 10-15% of my portfolio is possible but there isnt a ton of data to back up the fund.

I would love others thoughts and opinions on this, I have been in a mental pretzel for weeks thinking about this.

submitted by /u/silenceisbetter1
[link] [comments] https://www.reddit.com/r/stocks/comments/12y39k6/how_to_best_allocate_final_15_of_my_porfolio/
Created 2y | Apr 25, 2023, 1:20:45 AM


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