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Hi, freshly starting investing into stocks. I need advice on the following potential portfolios. I am torn between multiple different versions.
Investing Strategy
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%
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Maor
Asked on 29 August 2025
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You have a lot of overlap between your choices.
VGS has about 75% US stocks, which overlap significantly with VOO (+ the MSFT, AMZN etc. shares)
Same applies for VAF and VAS. You should reduce the number of ETFs you choose for a few reasons:
1) Harder to balance such a portfolio once your strategy changes
2) When you want to sell any of them (buying a house? unexpected expenses?) you’d have to completely close out on a position
3) Trading fees. Each trade you make costs money and managing these small percentages means you will pay more fees
4) Makes tax return much harder to do. You’ll likely pay for an accountant which will charge you more for filing for this many ETFS & stocks.
I’d pick 3 to maximum 5 stocks. You are young, you have time. Don’t worry about small details now and aim to stay in the market.
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