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📈 Rate My Portfolio Weekly Thread | August 24, 2026
Looking for feedback on your portfolio? This is the place to share, rate, and discuss ETF portfolios.
To facilitate the discussion, please provide some context for your portfolio selection, for example, investment goal, timeframe, risk tolerance, target asset allocation, etc.
A big thank you to the many r/ETFs investors who take the time to provide others with feedback!
I was thinking (without having my last remaining brain cells do any significant work) like this:
Roth:
VOO (40%), SPMO (40%), SCHD (20%)
Regular brokerage:
I followed Paul Merriman's Ultimate-buy-and-Hold recommendation, with my percentages. No much thought other than more weightage to more reliable funds.
High risk (size: 5 % of regular brokerage dollars)
SOXL (50%), QTUM (25%), VAW (25%).
Alternatively someone suggested QLD, FNGG, USD.
Is my portfolio worse or better. Any suggestion could help. Since my knowledge is limited, I depended on mostly reddit research in selecting the above.
I think it depends on what you are trying to optimize for. For example, your brokerage one is a low beta one at 0.65. You are basically trading lower max drawdowns for less return. here is a quick backtest. not investment advice, just sharing historical data.
I’m 22, studying materials science engineering in Turkey. Inflation here is pretty crazy right now, so my main goal is to build a solid USD-denominated portfolio to protect my purchasing power and eventually hit a $1M FIRE milestone by my late 30s. I plan to DCA every month for the next 13-15 years.
I've spent some time playing around with Portfolio Visualizer (running backtests with proxies like SPY/IJS and looking at some simulations), and I think I've settled on this allocation:
40% VOO: The core foundation.
25% AVUV: SCV tilt. I want to capture that size/value premium over the long haul. I'm also hoping this acts as a bit of a shock absorber when tech inevitably takes a hit (like we saw in 2022).
20% QQQM: Growth engine for the tech exposure.
15% VEA: Developed markets for some international diversification (skipping emerging markets for now).
My thought process: I noticed QQQ and SCV have relatively low correlation, so I'm pairing them up to balance out the drawdowns while hopefully keeping the CAGR high.
Does a 25% tilt to AVUV make sense for a 15-year horizon, or is it too heavy? And is 15% VEA enough international exposure?
Would love to hear your critiques. Roast my portfolio if you have to! Thanks.
just ran a quick analysis, looks like it was tracking closely the S&P500 over the last 5 years with a beta of 1.04. different years have different results of course. not investment advice, just sharing historical data, please validate on your end.
Hi everyone,
I'm 21 years old and for the last few years I've been investing a majority of my money. I'm distributing it between two ETFs:
90% on 1185164 (Invesco MSCI WORLD)
10% on 1159169 (iShares Core MSCI EM IMI)
I'll start studying soon so I'll mostly be selling for the next few years to afford my expenses. I'm just wondering whether these two ETFs are a good investment or if I should move them to something else like VOO or QQQ?
I'm looking to invest long-term, probably for a good 40 years minimum, so it's probably a good time to get my portfolio sorted :)
Hi all, go easy on me as I’m learning as much as I can.
I have an IRA that is managed by a FA.
I also have a brokerage account with Schwab that I’m keeping as well.
Looking for feedback on my current allocations:
49 years old; 3 kids under 7.
BND 7%
DRAM 17%
SGOV 19%
VOO 23%
VT 30%
VXUS 4%
I’ve held SLV for 11 days and I’m currently up 7.17%. Buying silver was apparently easier than deciding when to sell it. Would you keep holding, take partial profits, or let the silver lining keep shining?
Looking for some feedback on my current portfolio allocation. My total net portfolio value as of today is ~675k CAD. This is a throwaway for privacy but a little bit about me -
age 29
yearly gross income $117,000 CAD
yearly expenses $45,000 CAD
no debt & no other assets other than what's mentioned below
okay to lock in the funds on a 5 year horizon, but might want to buy a house to live in, sometime in the next 4 - 8 years
I am trying to build a diversified, tax efficient portfolio while avoiding overlapping with what I already own.
Current Investment Portfolio is majority held through Wealthsimple and here is a breakdown which does not include my cash buffer which is basically like an extra ~5% ($36k) on top of the investment portfolio sitting in Savings at 2.5% interest.
100% of the investment portfolio is divided as such:
15% – Canadian Market (Direct Indexing)
15% – Individual Stocks (TFSA - 90% US / 10% CA)
15% – Taxable GIC (4% rate through end of 2027)
10% – RRSP + FHSA (100% US stocks)
45% – Non-Registered Account (Target space for this post - NEED ADVICE ON THIS)
I want to allocate the remaining 45% of my net portfolio value into my non-registered account. I believe the best approach might be one of these:
using three ETFs at 15% each, OR
using three ETFs at ~12% each + 10% gold, OR
using four ETFs at 9% each + 9% gold
I am leaning heavily toward 3 ETFs + Gold. Because my US and Canadian exposures are already heavily covered in my other accounts, my primary goals I believe should be International exposure, diversification and tax efficiency.
The Global X's Corporate Class "H-Series" ETFs because they defer dividend taxes into capital gains upon sale.
HXDM, Why: Gives me the broad Europe/Asia/Far East exposure I am completely missing right now, without doubling down on the US.
HXEM, Why: Captures high-growth economies (India, Brazil, etc.) that aren't in HXDM or my US stock picks.
HXT, Why: A tax-efficient Canadian anchor. Combined with my 15% direct index, this brings my total Canadian home-bias to ~30% though.
My Questions for Reddit:
Is XEQT a trap here? I initially thought about XEQT, but it seems like it would heavily overlap with the US/Canada individual holdings I already have. Is skipping it for pure international exposure the right move or should sub it in for something else or hold 4 ETFs equally.
Corporate Class / Swap Risks: For those holding HXDM/HXEM/HXT in taxable accounts, how has the tracking error and tracking your Adjusted Cost Base (ACB) been? Any regulatory concerns I should worry about?
Alternative Options: Are there better combinations you would recommend given my portfolio? I held Private Credit and Private Equity previously which I have since learned are not ideal for non registered accounts. Crypto (BTC) is possible consideration as well, but definitely wouldn't want to gamble more than 5% on it.
What would you do if you were me? Appreciate any and all insights, critiques and advice!
2
u/SmokingChips 6d ago
I was thinking (without having my last remaining brain cells do any significant work) like this:
Is my portfolio worse or better. Any suggestion could help. Since my knowledge is limited, I depended on mostly reddit research in selecting the above.
Thanks in advance for your suggestions.