Investment portfolio & strategies

Amazon
Homeless.

Go to company page Amazon

Homeless.
Sep 19, 2017 12 Comments

What's your monthly/yearly investment split and current portfolio structure?

I'm 30 years old and this is how mine looks,

Monthly: 60% Stocks / 20% etfs VTI, VOO etc / 20% Wealthfront / 4% of my base in Roth 401K just enough to get full match from Amazon.
(This is % distribution of monthly savings apart from RSUs)

Current structure: 85% stocks, 15% ETFs. (Started wealthfront recently, it's almost insignificant overall as of now)

I am a noob/stupid in investment, want to learn investment strategies for optimal allocation. Any advice would help.

comments

Want to comment? LOG IN or SIGN UP
TOP 12 Comments
  • What stocks? Investing 60% into individual stocks is a great path to killing your position and falling off an emotional cliff during a recession, especially if it's tech .
    Sep 19, 2017 3
    • @Homeless (ironic name mr Seattle Amazon!) - imagine if you would rather own 4000 companies and average over a long term 7-9% annual returns after inflation.. or 6 companies averaging 10-20% short term in a sector where companies evaporate and plummet in value the second an app hits market.

      I'm 60% VTSAX, 20% VTIAX and 20% Treasuries and Municipal Bond funds. All from vanguard, since 2002.

      After 2 market crashes and the 2015 dip, I've more than doubled my money, at times recently in at triple and beyond.

      Diversification is key. Look up /r/financialindependence :) great resource on methods to build wealth without a single company or two ruining 10-30% of your net worth.
      Sep 19, 2017
    • Yahoo
      FakeDonald

      Go to company page Yahoo

      FakeDonald
      What do you think one should do about company RSU? Should you sell it once it vests and immediately put in mutual funds?
      Sep 19, 2017
  • Indeed
    egvz60

    Go to company page Indeed

    egvz60
    I'm 80% mutual funds through vanguard, the rest in 401k and IRA, thinking about putting a small percentage in individual stocks, wouldn't put in 60%. What platform do you use to buy/sell stocks?
    Sep 19, 2017 3
    • Indeed
      egvz60

      Go to company page Indeed

      egvz60
      Them being RSUs kinda changes my opinion... But you might want to rebalance before any major adjustment happens. I like vanguard because you can choose kinda risky mutual funds and the fees are still very low.

      Do you like Robinhood? I've been thinking about trying it for a while.
      Sep 19, 2017
    • Amazon
      Homeless.

      Go to company page Amazon

      Homeless.
      OP
      It's good - I was sceptical initially but it works well. Sucks if you are technical investor that needs sophisticated charts, options etc else it's sufficient. I only use it to do small trades, don't have any serious money there, atleast not yet. I like zero commission :)
      Sep 19, 2017
  • Amazon matches Roth IRA contributions? Don't you make too much to contribute to a Roth IRA?
    Sep 19, 2017 3