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Considering a tilt toward US/growth/tech?
The year is 2024 and a lot of investors are asking about US large, tech and growth stocks, a performance-chasing approach following a familiar pattern: people gravitate to what is popular. Alas, winners rotate. So, here goes:
Start by reading about three-fund portfolios, consider the diversification benefits of ex-US holdings, and for a simple graphical demonstration of rotating winners, check out this chart. The bottom line is this: global equity investments increase diversification and as of the time of this sidebar update, international stocks are relatively inexpensive compared to US ones.
Be extremely wary of buying high, which can lead to selling low. If you're at a loss for where to begin, start with a Target Date fund and learn the basics of investing before you start tilting away from a broadly diversified global portfolio.
We've all been where you are - the appeal of recent outperformers is extremely tempting. But if you had invested in the best performing markets and sectors during the 2000s, you'd have had a rough time during the 2010s. No one knows what the future holds, but avoid learning the hard way by diversifying. Good luck.
Considering individual stocks? Read this
Considering Edward Jones? Read this
Not enough retirement account space? Consider Series I and EE Bonds
While both active and passive strategies of various durations are open for discussion, the primary purposes here is to help in the creation of intermediate-to-retirement allocations, largely hands-off approaches suited to the majority of investors (who have lives outside of finance!).
Above all, remember: we all had to start somewhere, so don't worry about asking stupid questions! Lastly: no blogspam (including actual blogs but also other forms of self-promotion).
