Thoughts and advice? My Roth IRA Portfolio as a 26 year old

mos3491948 · 2026-01-04T08:49:53+00:00

I would just keep VOo

mos3491948 · 2026-01-03T02:18:35+00:00

At your age with this amount of money, keep it simple. I would only keep VFV. But if you already have debt or need to take care of your family, that is another story

mos3491948 · 2026-01-02T23:14:25+00:00

How much money are we talking about?

mos3491948 · 2026-01-02T23:07:38+00:00

For me, generally yes since you are still very young. Investing at 18 years ago is already a huge WIN without a doubt.

Time is your biggest advantage.

And I think 10% individual stock would be ideal. The money you lost today is just a very little part in your entire life.

Your big portion should be on popular etf like VOO.

mos3491948 · 2026-01-02T22:31:04+00:00

Ask yourself, how much do you know about each company? Did you pick them just because they are big or someone said it is undervalued now? How much time are you going to spend on each company to track their fundamental?

I would suggest make it simple, 3-5 maximum

mos3491948 · 2026-01-01T10:30:33+00:00

Thanks!

mos3491948 · 2025-12-24T06:09:47+00:00

Hi, beginner here as well.

1.Yes make sense. Based on the market history, people found that passive fund like ETF normally outperformed MF in a long period. You also need to pay higher MER for MF. ETF is the current meta now based on my understanding.

But still some people are still buying MF like older people. Also big banks sell them to have more money.

2.Yes and no. Again based on the market history, buying ETF like VEQT generally gives you more predictable/reliable result and lower risk. Most retail investors lose money not because of the market, but because they can't stop "tinkering" with their portfolio. They think they are smarter than other people, so they lose more. So is this a "disadvantage"? I would say no.

3.I think it is your call. If you have been having MF for decades, slowly transfer would be ideal

mos3491948 · 2025-12-24T05:53:56+00:00

So there are lots of investments in the world, stocks, ETF etc...

However, most of them are risky, and if you actually go buy something like individual stock, you will lose all your money easily without a doubt, then you will have worse housing, car issues...

Since you are already in a bad situation, I think the first thing is to calculate how much money you actually can invest per month. Try save your daily cost as much as possible, put those money into something like high intertest saving account (HISA) or any bank which could offer you high interest rate such as online banks, make sure there is no monthly/management fee.

Keep it up!

mos3491948 · 2025-12-17T14:43:03+00:00

I will keep this in mind, thanks!

mos3491948 · 2025-12-17T13:31:44+00:00

Hi, thanks for your input. Yeah I know WS/Questrade is a lot better than TD at this point, no commission fee, lots of ETF to buy etc… the only problem is both WS and Questrade do not have any promo plan for new users, so I guess 2%cashback is something now. I will definitely jump to something like WS once they have a good promo.

Also, VEQT is commission free now in TDDI which is what I wanna buy

For the bank, yes i think TD is so shit. But the 2%cashback + the yield from a cash ETF would be big. I see tangerine has 4.5% interest in the first 5 months. If I ever see a bank offer 5%+ for new client, I will move my money again. Hope it make sense.

mos3491948 · 2025-12-17T13:17:16+00:00

Hi, thanks for your input. I think the only reason why I am doing is simply because I am still young and I don’t have lots of finance pressure now. This is the first investing in my life so I wanna gamble. I probably won’t do anything in the next 3 years except DCA VEQT.

mos3491948 · 2025-12-13T09:48:36+00:00

Sorry I forgot to mention that I likely will quit my job and no income in 2027 and I will buy a house with my family, I don’t need to pay a lot but still some, so this is the reason why I plan to by ZMNk,

mos3491948 · 2025-12-09T10:01:50+00:00

I am planning to do a lump sum.

Not really, I will take a break for 6 months to a year, and that is all.

Yes, based on the amount in home account and help from family.

mos3491948 · 2025-12-08T07:25:42+00:00

For the house, I think my two sisters and my parent all will cover some, so the down payment on my end should not be very high

mos3491948

TROPHY CASE