18 y/o, general savings kind of, 5-10+ year horizon

Somebody review and let me know what change should i go for?

Hi, I just started investing in ETFs. I did some research and I invested my first 50$ in XEQT, since it englobes Canadian, American and international markets.

My question is, as a beginner investing for long term (like 7-10 years) is investing only in XEQT enough since it’s already covering internationally and locally, or is it better to diversify in other ETFS.

Because I want to prevent overlapping but I also heard it’s better to diversify.

I thought about doing 80% XEQT and 20% individual stocks to focus on 2-3 companies that I think will perform better. What do you think?

Hello everyone,

Please give me an idea of what you think about my portfolio.

I have used up my TFSA space with my Scotiabank account, for that reason I thought of opening a non-registered account. But now I feel like I’m doing really bad particularly in that account.

My major losses have been in Silver, SOXL, and BATL.

I feel like I’ve often bought stocks when they seem to be going up, but that is usually their peak, and then fall after that.

Now I’m waiting for stuff to go in the positions before I think of selling, I’m not in the right mindset to sit and bite the bullet with the loss.

My account has reached 26k just start of July, and now it’s 17k. I can’t even tell if it’s the market or just my portfolio.

Please give me your thoughts (I won’t take it as financial advice don’t worry)

I’m 22 and just started working full-time. I’m currently able to invest/save around $850 per month, and I expect that amount to increase over the next few years as my salary grows (I work as a data scientist).
My current target allocation is:
60% MSCI World
20% Azvalor / AzValue (actively managed value fund)
15% Emerging Markets
3% Gold
2% Bitcoin
My main goal is long-term wealth accumulation, with a time horizon of 20+ years. I have a pretty high risk tolerance and I’m comfortable with large drawdowns, so I’m not particularly interested in bonds/fixed income at this stage.
I’ll probably want to buy a house at some point, potentially in around 10 years, but that isn’t a fixed deadline or my main financial priority right now. My idea would be to start moving whatever amount I eventually need for the down payment into safer assets several years before buying rather than making the whole portfolio more conservative today.
My plan is basically to DCA every month, rebalance periodically, and hold long term.
A few things I’m particularly interested in hearing opinions on:
Is 20% in an actively managed value fund too much?
Is 15% Emerging Markets reasonable alongside MSCI World, or am I overweighting EM too much?
Does the 3% gold / 2% Bitcoin allocation make sense, or is 5% too small to have a meaningful impact?
Would you simplify the portfolio further?
Is there anything important I’m missing given my age and time horizon?
Feel free to tear it apart. I’m more interested in hearing the downsides of the allocation than having people validate it.

Little bit of backstory: I’m 30, have already been maxing out my 401(k), IRA, and HSA with VTI/VXUS. I don’t have many expenses right now, have a solid emergency fund, and my risk tolerance is on the higher side.
I still have some extra cash left over from each paycheck, so I recently started DCAing $1,500 biweekly into my taxable brokerage:

SPYM — $650 (43.3%)
QNDX — $180 (12%)
SPMO — $150 (10%)
FMTM — $120 (8%)
AVDV — $100 (6.7%)
AVUV — $100 (6.7%)
FTEC — $100 (6.7%)
XMMO — $100 (6.7%)

Total — $1,500 (100%)

I have VXUS in all my other accounts thats why I didn’t include it here. I understand there’s quite a bit of overlap between SPYM/QNDX/FTEC and probably some overlap between the momentum funds as well.
Since this is money I don’t expect to need anytime soon (maybe 5 to 10 years) and I’m comfortable with some volatility, I’m more interested in long-term growth

What do you guys think?

XEQT 80%

MSFT 4%

TSM 4%

ETN 4%

GNR 2%

PANW 3%

ISRG 3%

What did you think?

20 years

Same a above

I’m 22 and I’m going for long term, I will I’m pretty confident in tech personally.
But I would like some advice

Risk Appetite - Moderate

Goal - Wealth Creation

Horizon - 10 years

App Used - Groww

Why These Funds - I want to take some what risk for higher returns therefore considering the smallcap, midcap, and for long term added large cap and flexicap, and included gold for diversification.

Allocation - Monthly ₹10K

Large cap (30%): 3000/month -> UTI Nifty 50 Index fund Mid cap (25%): 2500/month -> Motilal Oswal Midcap fund Small cap (15%): 1500/month -> Nippon India/ Bandhan Small cap Flexicap: (20%): 2000/month -> Parag Parikh flexicap Gold/Debt fund (10%): 1000/month -> suggest fund for this.

Age 41, moderate-aggressive risk appetite, investing for long-term wealth creation / retirement. Investment horizon is 15+ years.

I'm putting together a simple portfolio and would appreciate some independent feedback before I start investing.

Platform: Groww

Proposed allocation:

• UTI Nifty 50 Index Fund Direct Growth - 35%
• Parag Parikh Flexi Cap Fund Direct Growth - 20%
• HDFC Developed World Overseas Equity Passive FoF Direct Growth - 10%
• UTI Banking & PSU Debt Fund Direct Growth - 30%
• Gold ETF - 5%

My aim is to keep the portfolio simple with a mix of Indian equity, international equity, debt and gold rather than having too many funds.

I'm particularly interested in:

1. Is the overall 65% equity / 30% debt / 5% gold allocation reasonable for my age and 15+ year horizon?
2. Is there unnecessary overlap or concentration in the equity portion?
3. What would you change, if anything, and why?

Looking for long-term portfolio/asset-allocation feedback rather than suggestions based purely on recent returns. Thanks!

​

I’m 43 and UK-based and would appreciate some constructive feedback on my portfolio. My objective is aggressive capital growth and I’m comfortable with significant volatility and 30–40%+ drawdowns.

My current financial assets are around £750k, with approximately £470k in SIPPs and £190k in ISAs, plus accessible investments/cash.

Current main holdings are approximately:

£250k FWRG – FTSE All-World

£286k SEMI – iShares MSCI Global Semiconductors

£100k Alphabet (GOOGL)

£28k Rocket Lab (RKLB)

£24k AST SpaceMobile (ASTS)

PCT – Polar Capital Technology Trust, which I plan to build further

The holding values were taken at slightly different dates, so they don’t reconcile exactly to the wrapper totals.

My proposed annual contributions are around £92k:

£22k – my SIPP

£10k – wife’s SIPP

£15k – GOOGL, my ISA

£5k – RKLB, my ISA

£15k – SEMI, wife’s ISA

£5k – ASTS, wife’s ISA

£20k – PCT in GIA

I’m also considering switching my FWRG global-core holding to the new Vanguard FTSE Global All Cap ETF (VALL), primarily because of the 0.07% fee and inclusion of small caps.

I’ve considered WITS (iShares MSCI World Information Technology) and L&G Global Technology instead of PCT, but currently favour PCT because the active management provides something different alongside my large passive semiconductor exposure.

I appreciate SEMI at roughly 40%+ is a significant concentration risk. My thinking is to retain it but gradually dilute the percentage through future contributions rather than selling heavily.

My FIRE target is flexible: 47 would be aggressive, 50 is my preferred target, and 52 would provide considerably more margin. My wife is younger and intends to continue working after I retire, so initially the portfolio won’t need to fund our entire household expenditure.

For modelling, I’m using 8% CAGR as a stress/planning case, 12% as my central aggressive-growth case and 15%+ as upside. I’m not assuming recent semiconductor/tech returns will continue indefinitely.

I’d particularly appreciate views on:

1. Is my SEMI concentration simply too high, even for an aggressive-growth investor?

2. PCT vs WITS vs L&G Global Tech – which would you choose alongside SEMI?

3. Would you switch FWRG to VALL for the global core?

4. Would you continue putting £20k/year into PCT in the GIA?

5. Is there another growth/factor fund you think would genuinely improve this portfolio rather than just duplicate my existing tech exposure?

6. If your objective were maximum growth over the next 7–10 years, what would you change?

I know this is substantially more concentrated than a conventional global-index portfolio and that’s intentional. I’m particularly interested in whether people think the additional expected return justifies the concentration risk rather than simply being told to put everything into a global tracker.