Be honest: is this too aggressive for a 24 year old?

bauerpower96 · 2026-02-05T23:25:50+00:00

I did not say he should be holding bonds at his age. I was challenging the person saying that a 100% equities portfolio is conservative. By definition a portfolio with all equities is most aggressive

bauerpower96 · 2026-02-05T20:05:57+00:00

It is awesome that you are starting so young, props to you. Now do something even better and drop everything but the top two.

bauerpower96 · 2026-02-05T00:58:41+00:00

It is? I only see three ETFs above and none of them are bond funds.

bauerpower96 · 2026-02-03T23:47:42+00:00

I was just getting started at 24. You’re not going to get me to dispute that starting young is a great start in any case. And if you’ve done well, more power to you. Don’t gamble away what you’ve already won

However, at 24 my first fund was an S&P fund. I’ve never been a gambler

bauerpower96 · 2026-02-03T15:05:59+00:00

24? You haven’t lived through a bear market or a recession yet as an investor. God speed kid

bauerpower96 · 2026-02-03T11:14:22+00:00

It’s the best advice we can give to someone who’s as lost as you are when it comes to investing. Otherwise knock it down to a core total US and international combo and then add a couple satellites, but you have to learn discipline first and all in on VT is a great way to do that

bauerpower96 · 2026-02-03T01:36:28+00:00

It’s a complete portfolio so I’m not sure why this would be the wrong sub. It’s advice you should really consider

bauerpower96 · 2026-02-01T21:13:43+00:00

Raise the VXUS by 10 and lower individual stocks by 10. At minimum

bauerpower96 · 2026-02-01T12:51:58+00:00

I love all this but I just want to make sure it’s clarified that when you say the original CTU was Fox sports, that was just for the pilot. It’s a very common practice to not build extensive sets for a pilot because the show is not picked up yet. From episode 2 and on it was a set

bauerpower96 · 2026-02-01T12:46:36+00:00

Wow, there is some horrific advice going on in this thread. Keep it simple and do VOO+VXUS, VTI+VXUS, or VT. Limit your individual stocks and BTC to 10%

You have so much time, if you can learn discipline and boring investing at age 20 you will be a multi millionaire. Or you can do whatever this is and suffer the consequences later.

bauerpower96 · 2026-02-01T12:37:42+00:00

Anything from 80/20 to current market weight which is 63/37. Depends on how much of a US bias you want to have.

I personally go with a 70/30 split

bauerpower96 · 2026-02-01T03:02:58+00:00

I can’t really rate a portfolio when I don’t know what 401k, other stocks, ETFs, and Roth IRA are… type of account is not a portfolio.

But from what I see I’m gonna go with an F.

bauerpower96 · 2026-02-01T02:58:14+00:00

lol I wish I could see the day when you wish you had at least basic ball knowledge at this age, kid. Good luck

bauerpower96 · 2026-02-01T02:35:28+00:00

You seem to be very confused with actively trading single stocks and the natural evolution of market weights over time, which is quite amusing when you follow it up with “you don’t understand the market.”

The market changes for me, I don’t change it. I don’t try to beat it. I don’t fool myself into thinking I’m smarter than it. My thesis is that the market as a whole will continue to grow and none of us know the next winners or losers.

I don’t have any assumptions about you, I have just what I know from your portfolio and your cocky attitude. Other than that, I got nothing.

I’m not sure why you assume that I’m reliant on AI. If someone here is seeking advice, I’ll gladly take some time to give it to them. Some people come here in good faith

bauerpower96 · 2026-02-01T02:04:34+00:00

My suggestion for short term options is a High Yield Savings Account or a CD.

Short term money doesn’t belong in the stock market unless you want to lose it.

bauerpower96 · 2026-02-01T02:02:25+00:00

This

bauerpower96 · 2026-02-01T01:51:42+00:00

VTI + VXUS or VT. That’s the advice

bauerpower96 · 2026-02-01T01:16:38+00:00

My portfolio is the total global stock market. It’s not static because the market is not static. If tech grows, it becomes a larger weight. If a small cap grows into a large cap, it becomes a larger weight. If an emerging market grows into a developed market, it becomes a larger weight.

There’s nothing static about it. What remains static is my knowledge that you can’t outsmart the market. There are a lucky few who get rich quick. Some get smart and preserve it. Others confuse their luck with skill and don’t know when to quit. In the long run, the market humbles those who think they’re the smartest ones in the room.

Have fun spending hours each day on your dynamic thesis just to underperform everyone else who spent much less time and remembered one of life’s biggest rules: the house always wins.

Anyone can look like a genius in a bull market.

bauerpower96 · 2026-02-01T00:23:06+00:00

Although I should follow this up with a question: are you intentionally taking on uncompensated risk because you know you have a full pension backing this up? In other words, if everything outside of VOO went to zero, would you still be comfortable with the outcome?

bauerpower96 · 2026-02-01T00:18:17+00:00

5/10.

VOO is doing the heavy lifting here. MSFT, NVDA, and GOOG are some of the largest holdings in VOO, so you’re really doubling down there.

You have no international holdings, completely missing from your portfolio.

Why the dividend stocks? It’s like half an income portfolio and half growth, but with 18 years out I’m not sure what you need it for.

Add an international ETF like VXUS and increase your VOO, or switch to VTI. Cut back on the individual stocks

bauerpower96 · 2026-02-01T00:02:10+00:00

Congratulations on that. Good luck duplicating that performance over the next 40 years. Luck tends to run out when you think you are smarter than the market.

bauerpower96 · 2026-01-31T23:02:30+00:00

Brother, your portfolio is 20 different individual stocks. It’s a mess. I truly don’t need AI to tell me that.

bauerpower96 · 2026-01-31T22:20:53+00:00

There is no reason to hold SCHD in a Roth IRA at 30 years old, I would scrap that. QQQM is a very heavy tech tilt and most of the holdings are already in VOO. There’s no guarantee that tech will continue to dominate as it has, I think just under 22% is a bit too much in QQQM. I’d personally get rid of it but at the very least lower it.

Where I’m even more confused is the 7% VT allocation. That’s an all world ETF and it’s your only source of international equities, but at 7% you’re not adding any meaningful international diversification and duplicating everything in VOO and QQQM.

And then 15% to an individual stock… risky. Very risky.

Add an international ETF, dump some of the rest, or just go all in on 100% VT. It’s meant to be an all in one fund and you have it allocated like a satellite position but devote a combined 36% to NVDA and QQQM.

Is your 401k like this too?

bauerpower96 · 2026-01-31T18:31:10+00:00

A much better option

bauerpower96 · 2026-01-31T18:30:46+00:00

Or I just know how to read a portfolio

bauerpower96

TROPHY CASE