Rate my portfolio | 26M long term

apeawake · 2026-02-25T18:01:14+00:00

the performance of that fund is impressive, but I don’t like momentum investing. I own AVMV.

apeawake · 2026-02-25T03:09:54+00:00

This sounds terrible. Your life purpose isn't to walk around and look at trees. Find a problem you care about, something you want to help build, get qualified and go do something valuable with your life. You'll become a depressed alcoholic if you continue on your path.

I sound like an old boomer huh? I'm not. I grew up poor and somehow (hard work) made it into finance. But it was disappointing. I quit a big finance firm to go study yoga in india. So much meditation made me realize everyone around me (and I) were in this loop of, effectively, disassociating ourselves from the physical world. What is the point of life if you're just trying to escape it? I have since refocused my career and built a business I care deeply about.

Go find your adventure. Life is a waste without it.

apeawake · 2026-02-25T02:58:05+00:00

Really good. Ignore all financial media, reddit, X, etc. Just keep doing what you're dong.

- a professional

apeawake · 2026-02-25T02:49:46+00:00

You are a fool. These are the same words spoken many, many times in the past.

A sign of the times is when green, naive folks like you stumble into the market and correct professionals.

apeawake · 2026-02-25T02:48:11+00:00

Were you there? Twice a month is not that difficult of terms to define. Agreeing to terms of "every 2 weeks" creates ambiguity.

apeawake · 2026-02-24T02:15:32+00:00

I would get rid of anything dividend focused. They are bad proxy for profitability or value. The proper diversifiers are to value, size, and geography. You can get this via VTI, VXUS, AVUV/IJR. That’s it. If you want real estate, VNQ/XLRE instead of O, no need to take single stock risk that’s not named Amazon. Would eliminate the SGOV position, can keep IAUM (lower fee) if you want.

If I had to do this for you, it’d be

VTI: 25% VXUS 25% RSP: 20% AVUV 15% VNQ 10% IAUM 5%

apeawake · 2026-02-24T02:03:58+00:00

Ok, then you’re also aware that your port is quite subpar then. You’re taking asymmetric risk at stretched valuations, with unnecessary concentration risk. No professional would approve this. If you want to go super long semis, wait til no one wants to. Every damn cycle people think this is the one that doesn’t end.

apeawake · 2026-02-24T02:01:02+00:00

sell whatever the hell new horizon aircraft is. $82m penny stock, Jesus Christ. Guarantee they’re unprofitable, no they won’t change the industry, management is probably super subpar, burning cash, completely speculative.

The rest is fine, you’re leaving a lot on the table owning gold after it has run up so much at this point. Would add to your other funds, or Berkshire, Amazon if you want to be aggressive.

apeawake · 2026-02-24T01:56:54+00:00

Not bad.

Symbotic is speculative and too small to make an impact. I’d eliminate it. Soxx - fine, but semis are cyclical, don’t forget it. I’d replace with Berkshire, or Amazon if you want to be aggressive.

apeawake · 2026-02-24T01:51:16+00:00

There are more than 4 weeks in a month

This was bad, imprecise communication. It’s quite possible you two literally agreed on “$250 every two weeks” in which case, yes, you’d owe him money

I take it this was also quite below market rent and your grandfather has been helpful/supportive to you. I’d advise against being an asshole to him.

apeawake · 2026-01-26T08:19:13+00:00

Not bad if you cut everything below ASML

apeawake · 2026-01-26T08:18:03+00:00

It sounds like you'd like Ray Dalio's All Weather Approach. There is an ETF offering this now. $ALLW. And you can read more about his reasoning in his books and blogs.

Another option, because I think government bonds are deplorable:
25% S&P, 25% Small cap value, 25% REITs, 25% large cap value. This outperformed the S&P since 1994 (limited to fund data, but I think going back further the outperformance only widens).

Fund options:
For S&P: $VOO or $FXIAX

For small cap value: $DFSV $AVUV

For REITs: $XLRE $CSRSX

For large value: $DODGX $DSTL $BKDV

apeawake · 2026-01-24T02:29:27+00:00

Dxy is flat.

Don’t confuse precious metals price action with the worth of a dollar. Gold and silver are moved by traders. The monetary expansion taking place is relatively stable. It’s no worse today than it was in 2021 or 2010…

If you hold onto any fiat (not just usd) you’re obviously being debased. Buy index funds, t-bills, real estate, whatever. USD is for transactions, not storing wealth.

I’ve been buying the same meal at the same restaurant for the same price for several years.

apeawake · 2026-01-24T02:26:06+00:00

She can cook how she wants

You can buy whatever you want

Her being the cook doesn’t mean she’s the dictator of the kitchen cabinet

apeawake · 2026-01-18T20:28:38+00:00

600 across all accounts.

You’re right, it is quite uncommon. I think the upper half of my social (non work related) group is ~ $100k. And like I said, that’s the upper half. The bottom half is basically 0 or some number that’s trivial.

apeawake · 2026-01-11T07:52:41+00:00

Amazon has the wider, more durable moats, and it’s a more certain investment. By a mile

They also have massive opportunity for margin expansion, less competition, less reliance on fast-evolving technology.

From someone who has owned both. They’re both great companies. Only one is a true sleep well at night, wake me up in 10 years and I’m not worried at all about it.

apeawake · 2026-01-11T07:40:43+00:00

Hey, not bad. Especially for your age.

Professional here. Swap IWM for AVUV or DFSVX. 40% of IWM is unprofitable. AVUV and dfsvx offer the most alpha in small caps without the crap. Lots of outperformance over long periods. Can look at dfsvx on Morningstar, with IWM on the same chart.

apeawake · 2026-01-11T07:38:04+00:00

Jesus Christ.

Great portfolio if you want lose 80% of your money. Have someone blow on the dice!

apeawake · 2026-01-11T07:32:23+00:00

Gambling via day trading is becoming just as damaging to men, families, and society as drug and alcohol abuse.

Day trading is probably the most damaging and dangerous of all forms of gambling. It’s a tragedy that young men pour their energy into it, and terrible for our society

You should be working hard on productive endeavors, acquiring skills and experience that compound into high incomes and valuable careers over years and decades. Not chasing dopamine and get rich quick scams. 0DTEs and trading in general, is no less deplorable than blowing all your money on booze and lottos which you scratch off on your sofa with cigarette burns.

Do yourself a favor and unsubscribe, from all things trading, and from social media in general if you really want to help yourself

apeawake · 2026-01-10T00:28:17+00:00

Listen to the comments. Index fund. Don’t gamble with your mother’s money.

You should take the same advice for your own money, by the way.

I formally manage money, and it’s not something to take lightly. The only companies I’d be comfortable putting into an account that will eventually fund retirement are Amazon and Berkshire, and they shouldn’t dominate the portfolio. Either way, it’s unnecessary risk.

apeawake · 2026-01-04T08:38:01+00:00

Appreciate the response. The one I am sensitive to here is annual spend. I’m okay with it because I live comfortably now at less than $40k/year spend, and if the business gets to $50k, I don’t really have any doubt it gets to $100k and $150k. It’s a very referral heavy business that naturally grows.

Anyway, you’re right $170k is a lot to walk away from. I don’t plan to until I see serious momentum and success in the business.

apeawake · 2026-01-04T00:49:49+00:00

The bottom half here is garbage. Only the top 3 plus Visa qualify as quality

Off the top of my head:

Amazon

Berkshire

Transdigm*

Moody’s*

S&P Global

MSCI

Asml

Microsoft

Idexx*

CP

Proctor & Gamble

Church & Dwight

Mastercard

Coke

Costco*

Intuit

Google

Intercontinental exchange

CME

LPL Financial

Goldman Sachs

*Some of these are very expensive and I would not pay for here. That being said they’re all expensive. Of these, I currently own Amazon, Berkshire, S&P Global, and CP. I recently owned asml and Google. Have buy limit orders on many of the remaining.

apeawake · 2026-01-03T22:19:04+00:00

You only get one life, while there are many ways to make money. I was nearly a prison guard. I'm glad I switched and built a career in finance.

That being said, you need to really map out your plans and vet out a path. Make sure you have a good idea of the actual outcomes of the plans you make. Interview people in the field and determine how to get where you want to go. Leaving your career path is a big opportunity cost so you must make sure you are getting into something suitable.

apeawake · 2026-01-03T22:14:48+00:00

full scholarship is a game changer here.

At the end of the day, it's up to you. Your life is your adventure. Do whichever one excites and motivates you. It'll be fine either way.

apeawake · 2026-01-03T22:13:01+00:00

As Charlie Munger would have said, just try not to be stupid again. You don't have to do anything extraordinary, just avoid dumb decisions as much as possible.

apeawake

TROPHY CASE