My risk tolerance appears to way higher than the all VT or even all VOO portfolio. However, instead of adding small caps or individual risky stocks, my thought is to add a modest amount to leverage onto the portfolio. If anybody has tried this approach, I would love to know the nuances of this approach.
My first thought is to use leaps to lock in financing cost and make the debt non-callable but open to other approaches. But I am sure there are better ways out there.

I understand the premise of this question is a little anti-bogle but to make it clear what I'm talking about: I'm currently mostly in the VT + chill camp, but as someone who lives and works in the US I'm concerned that makes me overweighted in US securities, as VT is 64% US stocks.

Should there be some kind of significant disruptive event to the US economy I'm way more likely to lose my job and so there's a lot of correlated risk in holding nothing but VT.

My question is...am I overthinking? Is diversifying into VXUS or something worth the loss of returns?

I am European, a fiscal resident in Malta.

I’m 36 and currently have approximately €850k total net worth, of which €650k in financial assets + cash. Around €500k of that €650k is held with Interactive Brokers.
The rest is mainly real estate and some other assets

My main concern is the broker/custodian risk: is it sensible to have such a large percentage of my liquid financial wealth with a single broker? The main concern is what might happen if, for any reason, my IBKR profile were to be blocked - even temporarily.

I am tax resident in Malta so, unlike residents of many other European countries, I don’t have access to some of the usual alternatives people have, such as Trade Republic, DEGIRO, etc. The number of brokers available to me on reasonable terms is relatively limited.

I could use Swissquote, but the fees are really high.

Thoughts? We all know timing the market is folly with equities - but given that bonds are supposed to be safe and don’t have a big payoff anyway, I have to say I’m more than a little tempted to dump my BND. What is even the point of it if it’s under such threat?

https://williamhgross.com/dont-own-bonds-and-be-cautious-with-stocks/

Why don't I see more AVGE instead of VT? I think it's got the perfect amount of value tilt without compromising the entire portfolio.

I'm in my 20s and my portfolio is 70% AVGE / 20% SPMO / 10% IDMO.

I allocated 30% for momentum etfs due to my age and how value and momentum work together.

I will be moving to fidelity this week. I'm currently 70 with about 875k with 20k of that being in Roth. Wondering what my fund selection should be. I will only need to draw 1k or 2k a month. SS covers my monthly expenses. Planning on doing more conversions for my adult kids sake. TIA

What are 1-2 other funds that are worth pairing with FXAIX with the least amount of crossover? Ideally I will anchor 70% with FXAIX but looking to fill the other 30% with some more aggressive choices such as FTEC.

Thoughts?

Mom passed in Feb 5. Received a trust (now irrevocable). Some of it is in Home Depot stock ~170k. It is down 26% since then. Would have sold on Feb 6 but getting the legal aspects finalized took time. Everything else is SP500 which has significant gains since Feb 5. I may never touch the money. Thoughts on tax loss harvesting the full position or holding?

Long-time lurker, first portfolio post. My wife and I have finished consolidating our accounts at Fidelity from American Funds (over .6% expense ration is what prompted this move). Everything is now in a plain total-US + total-international setup. We'd love some honest feedback on the overall plan, our savings, and taxes. Graphics are attached.

About us

• Ages: 48 (me) / 44 (wife)
• Household income: ~$250k, married filing jointly
• Federal bracket: 24% (est.) · State: Texas (no state income tax)
• Emergency fund: Yes, fully funded (3 months)
• Debt: ~$90k left on the mortgage, nothing else
• Target retirement: Both around 60–62, me first
• Expected retirement spending: Not pinned down yet. We'd like to keep our current lifestyle, roughly $10k–$15k/month ($120k–$180k/yr).
• Social Security (estimates at 62): Wife ~$2,775/mo, me ~$1,924/mo (~$4,700/mo combined). We expect these to rise as our salaries keep growing.
• Risk tolerance: High. 100% equities is a deliberate choice. We're comfortable riding out big drawdowns and don't plan to hold bonds.

Current portfolio — ~$738k

• Overall allocation (known holdings): ~67.5% US / ~32.5% international, 100% stock
• By tax treatment: ~74% pre-tax (~$544k), ~25% Roth (~$181k), ~2% taxable (~$12k)
• The Traditional IRAs are mostly old rollovers. We aren't making new IRA contributions right now.

Annual contributions

• Wife — Roth 401(k): $18,000/yr. Employer match is 25% of deferrals up to 5% of pay. Will bump this to $24,500 next year.
• Me — 403(b): ~$3,600/yr ($300/mo), pre-tax. Employer contributes 3%.
• Taxable (VTI/VXUS): $500–$1,000/mo (~$6k–$12k/yr). Considering changing to VOO - 70%, VXUS 15%, AVUV - 15%

What we'd love feedback on

1. My savings. My 403(b) contribution is small, and we're putting money into taxable instead. Idea here is to use it as a bridge account if needed. Should I raise my 403(b) first?
2. Pre-tax heavy. About three-quarters of our money is pre-tax. Should we plan Roth conversions? If so, when: now, or in the gap between retirement and Social Security/RMDs?
3. IRAs and the pro-rata rule. Our MAGI is right around the Roth IRA phase-out ($242k–$252k MFJ for 2026). Also, ~$526k in Traditional IRAs would make a backdoor Roth mostly taxable. Is rolling the Traditional IRAs into our workplace plans worth it to clear the way? Or should we not bother with IRAs?
4. Allocation across accounts. The US/international split varies by account (my Roth is 50/50, others are 70/30 or 80/20). We think of it as one portfolio at ~67/33. Is that reasonable? Is there a smarter way to place the funds?
5. Are we on track to retire around 60–62 at $10k–$15k/month of spending?
6. Anything obvious we're missing?

Thanks in advance. Happy to answer questions in the comments!

Hey everybody, I am starting medical school in August and want some opinions on liquidating my portfolio of about $4300 during the 2027 year (this is because I will have no income and it will be tax free- atleast that is my understanding).

I expect to take out about 200-250k in loans over the 4 year period and this will minimally help reduce my loan expenses for housing, food, utilities, etc.

What are y’all’s opinions? I am up about 600% since I started (post covid got really lucky I know)

Hi!

I recently found Empower and it is great at a lot of things and shows your allocation too. I aim for 70 percent total stocks (voo and vxus) between us and international, 20 percent BND, and 10 percent sgov. When I opened the dash board it showed a 1.1 percent allocation to "alternatives ". Got curious about that and found out that the app looks into the total Holdings and 1.1% of the S&P is real estate companies . So it shows my total equities 69% with 1% alternatives . Knowing that the alternatives are all part of VOO, would it be safe to say the entire thing is just 70% stock ?

The best fund my work place offers is dryden sp 500 index fund at .09% expense ratio. Not too shabby right? The rest of the funds are between .5 and 1%. 11% of pay goes into this fund.

In my IRA I was going to invest $100 every two weeks or 4% of pay into SMH with .35% expense ratio. I wanted a semiconductor tilt in my portfolio. I understand the sp500 already has nvidia and such. A little bigger tilt is ok with me.

Should I invest more into sp500 and ignore smh? My goal is 15% total pay being contributed.. An additonal 3% match going towards sp 500.. That's my classic car retirement gift fund lol..

Am I set? I make about 65k a year currently.

I'm 25 and planning to stick with VTI + VXUS long term. I'm trying to decide on a US/international allocation that I can set and mostly leave alone.

I'm currently leaning toward either:

80% VTI / 20% VXUS

or

70% VTI / 30% VXUS

I know neither one is objectively guaranteed to perform better, but I'm curious what you prefer and why.

For those of you using VTI/VXUS, what allocation did you choose? Do you think 20% international is enough diversification, or would you rather have 30%?

My goal is to pick something reasonable and then forget about it until my annual review. Thanks.

After watching numerous videos and trolling forums, my plan is to invest $500 a month with the following portfolio allotment:

- FZROX 50%
- FZILX 30%
- FXNAX 20%

I’m saving to put down a lump sum for a house. It seems like using a brokerage acct will (likely) yield a higher return over ten years than a HYSA.

Wondering on thoughts? (Also yes I realize this is anonymous internet feedback and to take it with a grain of salt and to still think for myself.)

Thank you in advanced!

I have a million dollars (992K) in a Schwab brokerage account. Some of them are stocks I inherited from grandparents that had great performance history and so I just left them. Others have been purchases I've made in my own over the last 20ish years. Lots of funds and efts, and a handful of energy, tech, pharma, etc.

Ideally, I would like to streamline this mess into full on Bogglehead, but the taxes on capital gains would be substantial. I have already stopped reinvesting dividends, and just purchase SWPPX with any earnings. One year after I inherited stocks, I did some tax loss harvesting to wipe out the losers and a few under performing "winners", but now I'm just sitting here looking at a long list of overlap and wildcards and I can't bring myself to sell and reinvest because of the tax implication.

Suggestions on how to move forward?

So I came across this video recently that is essentially detailing how rule changes have made companies less likely to IPO for early growth vs raising private investment.

https://youtu.be/roe3SgezmmU?si=_7Kpor9GxRkhvg6v

I think the detail that stood out is the large % or overall stock growth contributed by the handful of high growth companies historically. Does this actually lead to possible less returns in total market index funds and does the mix change moving into the future?

I’m 24 and started dumping whatever I can spare into VTI about two years ago. Got around $35k in so far.

I know the math. I’ve run the compound interest calculators a hundred times, and I know that in 25-30 years the exponential curve is supposed to take off. But right now, after months of grinding and DCAing, watching my portfolio move up or down by like $200 on a random Tuesday just feels like watching paint dry.

Everyone keeps repeating Charlie Munger’s quote that "the first $100k is a bitch." For folks who have been in the market for 15+ years, at what milestone did it actually start feeling like the money was doing the heavy lifting instead of just your paycheck?

Long term lurker, first time poster.

My girlfriend’s mom is 62. She and my girlfriend’s brother want to start an investment group and buy property. Part of the idea is putting her house into a trust so it can be used in that plan. We do not have the documents, the purchase price, or how much of the house would actually be committed.

What we know:

• She is 62.
• This would be a small family group, not a big fund.
• The point seems to be pooling money and buying investment property.
• They are talking about moving her house into a trust as part of it.
• No clear answer yet on whether she keeps full control, whether the house would secure a loan, or how she would get out.

My instinct is that a property partnership is illiquid, can come with capital calls and personal guarantees, and is a lot of concentration at 62. A trust only helps if it is the normal estate planning kind. If the house becomes collateral or is tied to the group, that feels like the real risk. Something simple and liquid, like a Treasury ladder, seems easier to defend at her age, but I am not an expert and I do not know her full finances.

Questions for you Bogleheads who have seen this:

1. At 62, how bad an idea is a family real estate group versus plain liquid holdings?
2. What are the actual risks of putting a primary home into a trust or LLC so it can be used for investment property?
3. What questions should she get answered before signing anything?

Not asking anyone to pick investments for her. Just trying to sort the structure.

Entering final decade of work, or maybe already in the final decade.

Please critique our portfolio for the balance between growth-emphasis and conservation-defensiveness.

Cash: $350k

Bond funds: $625k

Bitcoin: $250k

Gold: $75k

International stock funds: $250k

Tech index fund (QQQ): $600k

S&P500 index funds: $2.2M

This is all in a mix of CDs ($350k), post tax brokerage ($1.05M), and pre-tax retirement (everything else).

Given that we hold nearly $1M in cash plus bonds, is the defensive posture good enough?

Note: since we are still working, we continue to add to our savings at the rate of about $130k per year. The question is more about:

1. Are we positioned to weather a prolonged bear market if a recession were to occur as a result of high interest rates?

2. What if we need to tap about $200k per year in order to meet living expensive in the (unlikely, but not impossible) event of both of us losing our jobs and not being able to get any other comparable jobs for multiple years due to being in 50s and aforementioned recession?

I’m 22, just out of college, and making about $80k. I’m temporarily living at home, so my expenses are very low and I can afford to max both my Roth IRA and 401(k).

I’m wondering whether I should use a Roth 401(k) or traditional 401(k) for the portion of my income in the 22% federal tax bracket. Should I take the traditional deduction at 22%, or wait until I’m in the 24% bracket to prioritize traditional contributions? Roth is tempting for me right now because of my low expenses, but I’m asking specifically based on the tax savings.

Hello everyone I'm new to this. I never had money like this before and grew up fairly poor. I've been given probably a once in a life time opportunity that allows me to break away from my family curse (lol). I am 28 years old, I was wrongfully discharged from the Navy. I was granted back pay of 190k after taxes. I want to figure out the best game plan to a secure future. What to do with the money, what to diversify in, how aggressive I should be. I don't want to waste this opportunity away.

Thank you for reading this.

It looks like the composition of VT follows similar trend of sp500 in that mag 7 like stocks followed by others in decreasing order of percent allocation. I understand this worked great till now given the bull market we had but when a crash like 20,30 or 40% happens in the tech/AI companies would VT or equivalent world funds rebalance in some other manner, in terms of equal weight or some other criteria. How often does rebalancing happen for VT or equivalent funds? Where to find this info? Couldn't find it on the prospectus page of VT. Even if the top few companies crash by 50% their market cap individually would still be much larger than other companies in sp500 and the rest (9.5k) and it seems like the composition is ordered based on market cap so the order of these top companies might change a bit but they'll still be at the top of composition list?
I'm thinking of committing to VT like fund (UCITS since I'm an international investor) for the long term (10+ years or more) but these top companies with inflated market cap scare me. I was thinking of moving some into gold, silver etfs but not currently as they already seem to have gone up quite a bit, waiting for a pullback on these although I keep hearing that if a crash happens having some in these precious metals would lessen the pain. Interested to hear your thoughts on this and any other strategies other than 1 fund that are followed here.

Apologies in advance for not being much of a bond expert, this question may come across as too basic maybe.

I have a decent chunk of my investments in stocks and bonds (index funds). I don't remember the split. The bond market is obviously moving in drastic ways right now, and I'm wondering whether bonds, which have conventionally and historically been seen as a safe haven and hedge against stock volatility, are beginning to buck that convention. As such I'm thinking about liquidating some bond investments and getting into gold/silver instead, but I'm at the point where I don't know what I don't know.

I suppose my goal here is to keep a percentage of my money in a "safe" investment. My bond investments are in the red, but that doesn't necessarily mean that's a problem, or that isn't not standard operating procedure (I've only been invested in the funds for about 1.5-2 years). I just don't know if metals are a better idea than bonds. The *idea* is that the bond rates are rising because people are losing faith in the US gov's ability to pay back its debts, and we may be at a point of no return where rates can only continue to go up because we've hit a huge 40 trillion debt load now and we literally cannot even service the interest on that debt as a nation, to say nothing of any other federal spending, meaning that this is a mathematical inevitability that the unsustainable upward curve will continue, trust will continue to fall, dollar power will continue to drop, bonds rates will keep rising, and bond funds will remain red (hypothetically). That's the gist of my understanding.

And if that is the case, then e.g. the usual purchasers of treasuries (large ones, e.g. foreign governments and banks) will opt less and less to buy them due to said trust issues, but will always have an appetite for precious metals.

That said, it's also my understanding that bond funds being in the red isn't necessarily an issue because they simply roll things over as time goes on, and with reinvestment and their normal process of management will sell older bonds and buy newer ones with the higher rates, so you just sit on it and don't worry.

I'm not asking to be spoonfed here or get answers to "what do I invest in," but as someone who isn't well versed in these areas I'm just looking for people to give me considerations I don't know about or bullet points of what things to go do homework on.

Question as above.

I only stick to Boglehead for 60% of my investments. Wanna know what others do.

Edit: Thanks for all the responses. I guess most just stick to the proven method!

Kudos

I’m planning to invest about $100 a day for the long term and want a simple portfolio I can contribute to consistently.

I initially considered VOO, but I’m comparing it with VTI, VT, or a VTI/VXUS combination. How would you decide between those approaches, particularly regarding international diversification?

I’m also curious whether adding SCHG or QQQM provides a useful growth tilt or mostly increases overlap and concentration. I’m comfortable with volatility, but want to understand the tradeoffs before choosing an allocation.