/r/portfolios
Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. This is a great place for beginner and advanced investors to share knowledge! NOTE: please include the names of funds in your post, not just the tickers (we don't have those all memorized!).
Welcome! To get targeted and useful responses, please title your post with key details like your age and goals - this helps set yours apart from all of other general 'feedback please' titles!
Users should feel free to post their own (draft or implemented) portfolios for review as well as resources related to portfolio construction. Please be sure to include full names (not just tickers), percentages and expense ratios of funds/ETFS to help us better help you.
Speaking of which, we have a FAQ in progress. Not sure where to start with your 401(k) options? Link us to an image of the whole list. Want to organize your portfolio for easy sharing? Put it into PortfolioVisualizer and include the shareable link in your post.
Portfolio Examples:
Other Tools & Resources
- The Illusion of Diversification
- Total-Portfolio Approach
- Tax-Efficient Fund Placement
- Portfolio Spreadsheets
Related SubReddits:
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).
/r/portfolios
43,320 Subscribers
I'm new to this world, is it a good idea to start with weekly and monthly dividend and what do you think of these?
22:24 UTC
22:23 UTC
Need Help Choosing 5 ETFs Out of 10 – Advice Needed!
20:35 UTC
Top Stock Picks for February Using AI
18:57 UTC
Thoughts on my portfolio as a 21 year old would appreciate some feedback thanks!!!!
17:11 UTC
20M, Started investing Last year and need advice.
I’m currently in college, trying to set myself up for a solid financial future. I have a job, a full scholarship and a paid off car. Any advice for budgeting/investments you wish you knew at 20? Thanks in advance! Here’s an pic of my current networth
16:52 UTC
22 M how’s my portfolio looking.
m
16:46 UTC
27 year old, thoughts?
Top half is taxable I just opened recently, bottom half is Roth 401k
14:56 UTC
22M. Just started investing. This is how my FHSA looks after 1 month. Is this a good long term play? Any suggestions? I don’t plan to buy a house until my 15 years is up hence the higher risk. Thanks.
05:19 UTC
22M looking for any type of investing/stock advice
Greetings all, I am relatively new to investing so I am looking for as much advice as I can get. Below is a screen shot of my current Roth IRA contributions for 2024 and the mutual fund I decided to buy shares of. Some questions I have are:
- Is this a solid start?
- Should I open up an individual brokerage account before or after I fully max out my 2025 contributions?
- When I do open up an individual account, should I invest only into ETF’s (QQQ, VOO, etc) or individual stocks as-well?
- Do I need to diversify my Roth IRA with shares of other mutual funds/ETF’s or is 100% FXAIX good?
Any advice related to investing/stocks will be greatly appreciated. Have a blessed night everyone!
04:47 UTC
Rate My Tax-Efficient, Long-Term Portfolio (Investing Noob)
Hey everyone, I’m refining my portfolio with a tax-efficient, passive investing approach and would appreciate feedback!
My goals:
✅ Long-term growth (90% stocks / 10% bonds)
✅ Tax-efficient asset placement
✅ Minimal maintenance (annual rebalancing)
✅ Portability in case I leave Fidelity
✅ Small Bitcoin allocation (~7%)
| Account | Investment | Monthly Contribution |
|---|---|---|
| Fidelity Roth IRA | VTI (U.S. Total Market ETF) | $350 |
| VXUS (Total International ETF) | $236 | |
| Fidelity Taxable Brokerage | VTI (U.S. Stocks ETF) | $195 |
| IXUS (Tax-Managed International ETF) | $102 | |
| MUB (Municipal Bonds - Tax-Free) | $50 | |
| Fidelity Traditional IRA | BND (Total Bond ETF) | $50 |
| Coinbase | Bitcoin (BTC) | $67 |
Looking for Feedback On:
1️⃣ Is this allocation as tax-efficient as possible?
2️⃣ Are there better ETF choices for tax efficiency or risk-adjusted returns?
3️⃣ Would you modify anything for better diversification?
I’m new and learning—open to constructive feedback. Thanks in advance! 🙌
04:41 UTC
Is this a good strategy for my 401k? 45 yo male. Still a novice : (
20:15 UTC
Rate my Portfolio
These
20:15 UTC
Swing Trade Portfolio Update 📊📈
Big momentum plays paying off with strong breakouts and pullbacks. Here’s a breakdown of the top trades: GEO locked in +25.00% gain with a breakout entry at $28.40 and an exit at $35.50, bringing in +$7,810 on 1,100 shares. TWLO delivered a +25.65% profit, entered at $111.50 and exited at $140.00, banking +$8,550 on 300 shares. HIMS followed through on a pullback buy, gaining +12.26% from $30.25 to $34.00, securing +$3,710 on 500 shares.
Overall, the total closed P&L stands at +$13,772.75📈, adding +2.75% to the portfolio. Risk management remains key, with strict stop losses ensuring downside protection while capturing high R/R setups. The focus is on small-cap breakouts, technical formations, and momentum trades that offer strong follow-through.
Who else is capitalizing on these breakouts? Comment for an empty copy of my trade tracker. Drop your biggest wins and let’s discuss strategy! 📈💰
20:11 UTC
I don't know what I'm doing.
I'm 19 and just starting to learn, any recommendations or criticism is appreciated. Thanks gang. <3
17:48 UTC
Rebalanced portfolio after advice - any further tweaks?
I posted here a week ago and finally did some rebalancing. I slowly add more funds. How do my holdings look so far?
This will be my long term side.
I would like to build another portfolio for dividend payments. Any recommendations?
Thanks in advance - my last post was really helpful.
14:40 UTC
Do you avg down on the stinkers in your portfolio, cut em loose or leave them be?
09:08 UTC
M20, my portfolio
I do not currently hold any etfs. It’s just three stocks.
08:25 UTC
How does this portfolio look for a 20 year old?
Looking to get SCHD to 5% and have AVUV at 10% and go from there. Any suggestions?
04:08 UTC
What other ways to get stocks other than cashapp? And if cashapp good to get into stocks?
02:12 UTC
Please help
There are $16,000 of cash I’d like to invest in my IRA.
Please look at this portfolio and let me know my best options to balance this out with purposes of growth. Is there a bond I should buy into?
Thank you ver much
01:32 UTC
Portfolio Critique – 41M, I Invest Every Day, Critique is Appreciated!
Hey everyone,
Looking for a real critique of my portfolio strategy—are there any glaring holes or blind spots I’m not seeing? Total portfolio is in the $3.5MM Range.
I’ve been investing since my early 20s, starting completely from scratch. I’m a big-time DCA guy—I invest every single day because I believe in dollar-cost averaging, and honestly, it also gives me that little dopamine hit. I rarely sell, and I don’t mess with options or any complex strategies. My core approach is simple: buy often, hold, and let it grow.
Right now, my money is split into three places:
- Pro-Managed Account – Letting the professionals do their thing.
- Wealthfront Robo-Advisor – Mostly passive, automated growth.
- Self-Managed Stock Picking Account – This is where I pick stocks and make my own moves.
Historically, I’ve been pretty conservative, but I’m looking to get more aggressive over the next few years. The goal is to hit a couple of home runs, build up some serious capital, and (hopefully) retire early. I don’t want to take on reckless risk, but I’m willing to push it a little more while still sticking to my buy-and-hold philosophy.
So, what do you think? Are there any glaring holes in my strategy? Anything I should be doing differently or watching out for? Open to all feedback—just looking to refine and improve my approach. Any land mines here that could blow up in my face?
Appreciate any insight! The first pic is retirement account the rest are just regular taxable accounts!
00:20 UTC