Back
Investment Strategy and ETF Allocation Guidance
Investing Strategy
Hello Pearler Team, I’m new to investing and am focusing on building a long-term strategy for passive income to retire my wife early and potentially semi-retire or work part-time in the future. I’ve come up with the following ETF allocation, which I plan to invest $3000 into every 3 months, with automatic rebalancing: • VAS - 20% • VGS - 20% • VDHG - 20% • NDQ - 15% • VHY - 12% • VGE - 13% In addition to this, I plan to invest $2000 every six months into individual stocks (Amazon, Coca-Cola, and JNJ). Could you provide feedback on this strategy? Is the allocation balanced for long-term growth and passive income, and would you suggest any adjustments? Additionally, do you have any tips on automating rebalancing and keeping an eye on my portfolio’s performance? Thank you in advance Aashish Adhikari
191 views
Share
0 likes
Comments (3)
Sign in to add a comment
And additionally, Please give me pros and cons of this strategy.
Reply
0 likes
To me this looks like you might be overcomplicating things a bit.
There is considerable overlap between VGS (mostly US shares), VDHG (mostly US), and NDQ (solely US).
There is also overlap between VHY and VAS.
In reality, there’s no need for all these holdings, and then doubling up on some of the biggest US companies individually.
The most common portfolios I see with holdings like that are VAS/VGS/VGE, or VDHG by itself. It can be reasonable to add other things, but make sure they’re actually adding something unique like companies you don’t already own inside these funds (which will be difficult given they cover the entire world already).
Reply
0 likes