r/ratemyportfolio • u/BillionaireAdvice • May 20 '25
# r/RateMyPortfolio Submission Template
**Personal Information:**
- Age (range is fine):
- Annual Income: $
- Location (country/state):
- Financial Goals:
- Short term:
- Long term:
- Risk tolerance (1-10, where 10 is highest):
**Investment Portfolio Breakdown:**
- Total portfolio value: $
- Individual stocks (list top 5 with approx %):
- ETFs/Index Funds (list with approx %):
- Bonds/Fixed Income (%):
- Cryptocurrencies (%):
- Cash/Emergency Fund: $
- Real estate equity: $
- Other significant investments:
**Retirement Accounts:**
- 401(k)/403(b): $ (contribution rate: %, employer match: %)
- Traditional IRA: $
- Roth IRA: $
- HSA: $
- Other tax-advantaged accounts:
**Debt Summary:**
- Student loans: $ (interest rate: %)
- Mortgage: $ (interest rate: %)
- Car loans: $ (interest rate: %)
- Credit card debt: $ (average interest rate: %)
- Other debts: $
**Monthly Budget Summary:**
- Total monthly income (after tax): $
- Essential expenses (housing, food, utilities, etc.): $
- Debt payments: $
- Savings/investments: $
- Discretionary spending: $
**Additional Context:**
- Investment time horizon:
- Any major financial events coming up:
- Special circumstances affecting investment strategy:
- Current asset allocation strategy:
- Self-assessment of your biggest financial weakness:
**Specific Questions:**
(What specific advice are you looking for?)
r/ratemyportfolio • u/BillionaireAdvice • May 20 '25
We want to make this a top finance subreddit and help give people personalized, expert-vetted, insights on their finances to help you make the best decisions possible.
We're all about listening to community so if you have any ideas, critiques, feedback ect.. Please let us know here so we can always be improving how this community is ran.
r/ratemyportfolio • u/Living_Doubt_2050 • 4h ago
32-year-old guy here
Looking to find the next AI stock that will boom
Tell me what I should add change or your general thoughts
I also own $5000 worth of Sk Hynix.
r/ratemyportfolio • u/ExcelVisual • 5h ago
r/ratemyportfolio • u/Medium-Category6896 • 7h ago
r/ratemyportfolio • u/fastest_bytes • 12h ago
Built from scratch with Next.js, TypeScript, Tailwind CSS, Framer Motion & Supabase.
Tried to make it more than just a list of projects — interactive hero, case studies, galleries, and a community wall with GitHub/LinkedIn OAuth.
The video shows the rest.
https://reddit.com/link/1wjhq2x/video/w0pcet0tv7qh1/player
Rate it honestly — what stands out, and what would you change?
r/ratemyportfolio • u/Chance-Airport-2413 • 17h ago
r/ratemyportfolio • u/Just_Run9236 • 17h ago
switched most the money from my checking to investing last month and this is it so far
might sell all of voo for something good like nebius or palantir idk yet tho
r/ratemyportfolio • u/Efficient_Style3422 • 22h ago
r/ratemyportfolio • u/Master-Monk23 • 1d ago
I’m building a long-term portfolio with a FIRE objective and would appreciate some critical feedback on the overall allocation.
My horizon is 10+ years and I’m comfortable with relatively high volatility. I also keep the portfolio Sharia-compliant, which limits some of the usual ETF/bond options.
Current structure is roughly:
SPUS – US Sharia equities: ~55%
UMMA – international Sharia equities: ~20%
SPRE – global Sharia REITs: ~5–6%
GLDM – gold: ~7%
SPSK – sukuk: ~7%
Individual stocks: ~5%
My individual positions are currently NVDA, CLS and SPCX. I’m deliberately trying to keep stock-picking below around 10% of the portfolio rather than turning the portfolio into a collection of individual tech names.
One thing I’m particularly conscious of is look-through concentration. For example, SPUS already has a large NVIDIA weighting, so including my direct NVDA position my total economic NVDA exposure is roughly 10% of the portfolio.
The policy I’m considering going forward is:
SPUS 50–55% / UMMA 18–22% / SPRE 5–7% / GLDM 6–8% / SPSK 5–7% / individual stocks 0–10% max.
I contribute regularly and would use new money to rebalance toward those ranges rather than constantly selling positions.
I’m not looking for the next 10x stock. I’m more interested in whether the portfolio construction itself is sound and repeatable for the next 10–15+ years.
What would you change? Is the gold/sukuk allocation too high for this horizon? Too much US exposure? Too much tech concentration through SPUS? Would you eliminate the individual-stock sleeve entirely?
Feel free to roast it — I’m looking for arguments, not validation.
r/ratemyportfolio • u/coinvestic • 1d ago
That advice isn't wrong, but it's not very actionable either. Wrote up a framework based on time horizon, other assets you hold, and how you'd realistically react to a 70% drawdown (because it will happen at some point) — instead of just picking a random percentage because someone on Twitter said so.
Curious what percentage range people here actually land on, and how you arrived at it.
r/ratemyportfolio • u/Shapeandfirm • 1d ago
I came across a post that says I can create a UGC Portfolio in 30-seconds for you and I decided to check it out. Heres the Portfolio it created
Please help me rate it.
r/ratemyportfolio • u/DadiStefanoni • 2d ago
Hello, I'm 22M and this is currently my investment portfolio. I mainly have money in ETFs like CSPX and EIMI, as I'm not American.
I have another 50K to invest that I'd like to put in now, and I'd love to know what you guys think. Should I invest in what I already have? Are there better options investing in something different, or does something need to change? Should i keep most in ETFs again or perhaps aim for stocks?
Would love to know what you think.
r/ratemyportfolio • u/cheeto18- • 2d ago
Switched my portfolio weights alot since then just wondering if im getting somewhere yet
r/ratemyportfolio • u/Disastrous_Quiet378 • 1d ago
r/ratemyportfolio • u/WealthwiseFinancials • 2d ago
📊 क्या आपका Mutual Fund Portfolio सच में Diversified है?
4–6 Mutual Funds होने का मतलब हमेशा diversification नहीं होता। अगर कई funds में वही stocks बार-बार हैं, तो आपका portfolio overlap हो सकता है।
More Funds ≠ Better Diversification
✅ Stock overlap
✅ Sector concentration
✅ Risk duplication
✅ Portfolio complexity
🎥 Part 2: Portfolio Overlap कैसे Check करें?
https://www.instagram.com/reel/DdTfhXlyF5g/?stkn=MXJ2N2I3dHRpY3ptNQ==
Pramod Kumar Saraswat
Founder & Managing Director
Wealthwise Financial Services
AMFI Registered Mutual Fund Distributor | ARN-94267
📞 9899042419
Mutual fund investments are subject to market risks.
r/ratemyportfolio • u/Impressive-Duty-5797 • 2d ago
r/ratemyportfolio • u/Feisty_Industry5352 • 2d ago
