Advice for my Portfolio Plan? (25M)
Hey guys, how do you think my portfolio plan looks? Do you have any advice for things to add, remove, or change? I haven’t invested anything yet, so I am free to make changes without having to actually shift the money around. I’ve been doing a lot of research to try and figure out what works. The simplest option are the people who say “VT and chill” or something like that, but I like the idea of personalizing it a bit.
I am 25, so risk is perfectly acceptable for me right now. I want to reflect a growth/tech tilt, but still be pretty well diversified. I also spoke with a financial advisor who recommended I stick to international developed markets instead of emerging since they’re too volatile.
So, without further ado, here is my investment plan:
25% SPMO — large cap momentum 20% SCHG — large cap growth 15% SCHD — large cap value 10% SMH — technology tilt 15% SCHA — small cap blend 15% SCHF — international developed large cap blend
There is a lot of overlap in the large cap funds, but that is because I like both strategies for Growth and Momentum, so I included SCHD to help diversify the large cap portion. Also, I know the large cap is overweight. Overall, we have 70% large, 15% small, 15% international. This is because I absorbed the mid cap allocation into the large cap (large tends to outperform mid)