Hi, freshly starting investing into stocks. I need advice on the following potential portfolios. I am torn between multiple different versions.

Hello, I am a 21-year-old male investor from Australia using Pearler as my broker platform of choice. My primary goals are: Long-term wealth accumulation (15-25+ year time horizon). High growth, prioritizing capital appreciation. A well-diversified portfolio to mitigate risk. Financial Independence / Retire Early (FIRE), with an ambition to eventually have my portfolio generate enough passive income to cover at least some of my living expenses (e.g., rent or groceries). I am looking for a second opinion on three potential portfolio allocations. My current portfolio looks really solid, but I've been considering multiple alternative drafts. Please provide a detailed analysis of each portfolio, including an assessment of its strengths, weaknesses, and suitability for my stated goals. Pay close attention to how each portfolio's asset choices affect the trade-off between capital growth and passive income. I would also appreciate a final verdict on which portfolio is best for a young investor with these specific goals, as well as any general advice on rebalancing or asset management. Here are the portfolios: Portfolio 1 (Current) VAF (Vanguard Australian Fixed Interest Index ETF): 10% VAS (Vanguard Australian Shares Index ETF): 15% VGE (Vanguard FTSE Emerging Markets Shares ETF): 10% VGS (Vanguard MSCI Index International Shares ETF): 25% VOO (S&P 500 Vanguard ETF): 35% AMZN (Amazon.com Inc.): 1% MSFT (Microsoft Corporation): 2% NVDA (NVIDIA Corporation): 2% Portfolio 2 (Income-Focused Draft) VAF: 5% VAS: 10% VGE: 5% VGS: 10% VOO: 25% JEPQ (JPMorgan Nasdaq Equity Premium Income ETF): 10% SCHD (US Dividend Equity ETF Schwab): 20% AMZN: 5% MSFT: 5% NVDA: 5% Portfolio 3 (High-Risk Tech Draft) VAF: 3% VAS: 15% VGS: 20% VOO: 23% JEPI (JPMorgan Equity Premium Income ETF): 10% SCHD: 10% QQQ (Invesco QQQ Trust) or VGT (Vanguard Information Technology ETF): 5% SMH (VanEck Vectors Semiconductor ETF): 5% AAPL (Apple, Inc.): 3% MSFT: 3% NVDA: 3% Portfolio 4 (Revised Draft) VOO: 25% VGS: 15% VEA: 10% VGE: 7.5% VIG: 10% VNQ: 7.5% VAF: 5% VTIP: 5% JEPI: 5% SCHD: 5%

Maor

Asked on 29 August 2025

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