Do you use any portfolio testing and rebalancing tools? Just wanna learn from the best

This is what I wanted to do:

VOO	45.00%
QQQM	22.00%
VXUS	23%
VIB	5.00%
BNDX	5.00%

It didn't work because Vanguard won't allow me to buy QQQM by amount; only whole shares. (If I'm doing it wrong, please let me know).

Anyways, now I'm thinking of doing this instead:

VOO	45.00%
VGT	22.00%
VXUS	23%
VIB	5.00%
BNDX	5.00%

I won't need to make a withdrawal for at least 17 years.

The goal of this portfolio is to grow the principal, as it would be (hopefully) covering my kid's college and a part of my retirement.

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)

I’ve been thinking about this lately.

For long-term goals, investing makes sense.
For daily expenses, a savings account works.

But what about that awkward middle zone — money you know you’ll spend in the next 1–3 months?

Like:
Daily Expense
Big payments coming up

Keeping it in a savings account feels lazy (basically earns nothing).
But investing it aggressively doesn’t make sense either.

So lately I came across this post of an app called Multipl and they had a new Idea called High Yield Spending Account, where you can earn up to 7% other than getting the minimum returns in a Savings Account.

Curious if anyone knows some other apps for this?
Because I feel savings account is where a lot of money just sits idle without us realizing.

According to advice received , I should distribute it as follows:-

Mutual Funds- 75 lacs
Gold - 35 lacs
Equity - 35 lacs
FD - 15 lacs
EPF - 15 lacs
Emergency fund - 15 lacs
Loan to Others - 5 lacs
Savings A/C - 4 lacs
SGB/RBI Bonds - 1 lacs

I am not so well-versed with Investing, this distribution mentioned above is from some basic thinking.

It would be great to have some more advice
If you think of something better than this diversification? Please share your views!!

40% VTI (US total market)

26% VXUS (International ex US)

20% VBR (US small/mid cap value)

11% VSS (International small/mid cap)

2% BNDW (global bonds)

1% SCHP (broad TIPS)

-Age 36

-Tax advantaged account

-Plan is to gradually and proportionally increase the bond position year over year. Will be 15% by age 50, 30% by age 60, and 40% by age 70. (Retiring at 67)

-Deliberately avoiding active management (or active-passive management) philosophically; however, I'm trying to *roughly* replicate the factor loadings of Dimensional's Core 2 funds with passive funds - acknowledging there are limitations, particularly for international SCV.

Portfolio Value: ~$347,821 AUD

Total Cost: ~$387,651 AUD

P/L: -10.27%

(All holdings converted from USD → AUD)

Percentage of portfolio, total aud, gain/loss

NVDA | 37.7% | $130,799 | -0.50%

AMZN | 13.0% | $45,048 | -8.17%

IBIT | 7.1% | $24,791 | -27.46%

MSFT | 7.0% | $24,479 | -23.16%

NFLX | 6.9% | $23,981 | +1.95%

TSM | 6.7% | $23,321 | +20.06%

META | 5.7% | $19,724 | -21.43%

ADBE | 5.4% | $18,829 | -23.01%

GOOGL | 3.4% | $11,968 | -3.36%

NVO | 2.4% | $8,273 | -33.72%

CRM | 2.1% | $7,370 | -12.99%

ORCL | 1.4% | $4,822 | -51.26%

JPM | 1.3% | $4,390 | -3.88%

NOW | 1.0% | $3,452 | -6.55%

EXC | 0.9% | $2,974 | +2.74%

PLTR | 0.8% | $2,854 | -6.35%

TSLA | 0.7% | $2,367 | -18.25%

UNH | 0.5% | $1,817 | -8.42%

IREN | 0.3% | $921 | -19.24%

FIG | 0.2% | $548 | -70.97%

I'm planning on putting in 9k into VOO and 6k into QQQm on Wednesday (when my money transfers into my brokerage), then $800 a month for the next 7 years ($480 VOO and $320 QQQM); is that too aggressive? I don't plan on needing the money for 12 years at least.

Ive dabbled with options for a while now but decided to quit and won't get back on til i hit 100k in my brokerage.

I graduated from college, found myself a good-paying job, and now just actively investing weekly

50 a week to AMZN

50 a week to NVDA

50 a week to COST

150 a week to VOO

15 a week to XRP

I do plan on increasing my investments but looking to pay off my debt and student loans first.

Any critiques advice would be awesome. Feel free to reach out.

Goals for the year would be to have 80% of debt paid off and 25k in brokerage.

I would love to start a youtube commentary and build a community ive seen a cool youtuber do it with call of duty as a background but again any advice here reach out i would love the talk and community

https://preview.redd.it/58znw67tigtg1.png?width=1406&format=png&auto=webp&s=7fca9450ab4296c579c79f222c8b1ea929de8424

Investing $100 minimum of SCHD weekly into my taxable.

Investing maximium contributions yearly of SCHG in my Roth IRA.

My goal is growth. Anything I should change?

Would love some advice. Currently, I have OMFCX and OPTAX for tax free municipal dividends. I was doing some research and saw they have pretty high expense fees. I was reading that VTEB, PZA or MUB would be better from an expense ratio. What do y’all use for tax free municipal dividends?

Hi everyone,

I’ve been investing for about a year now. I am a Computer Science student, and I’ve built a disciplined weekly DCA system. My goal is long-term capital growth over a 10-15 year horizon.

I’ve opted for this approach:

- Nasdaq 100 (Core): My main driver for US Tech growth. I'm aware of the concentration risk, but my conviction lies in the continued dominance of Big Tech.

- Stoxx 600: To maintain exposure to the European market and diversify away from 100% US.

- EM IMI: For emerging markets exposure (long-term demographics play).

- ASML: I believe semi-conductors are the 'oil' of the 21st century. I want exposure to the sole provider of EUV lithography machines.

- Bitcoin: An asymmetric bet on digital scarcity and potential institutional adoption.

I stick to my weekly DCA regardless of market volatility. I’d love to get some feedback on the balance. Is it too tech-heavy? Am I missing a major blind spot for a 15-year horizon?

Thanks for your insights!

Hey everyone 👋

Over the past few months, I’ve been working on something different from typical portfolio templates. Most portfolios just list projects. But for developers, researchers, and engineers — that’s not enough. So I built a “research-first” portfolio system using Next.js.

https://preview.redd.it/pjxrq5qugetg1.png?width=3414&format=png&auto=webp&s=e6be16feb507cdb82654b29ac61ea015b6603206

💡 What makes it different?

⚡ Single config system: You can customize your entire portfolio from ONE file:
portfolio.ts No need to edit multiple components or touch complex code.

🎯 Built for

• 🎓 Researchers & academics (publications, journals, abstracts)
• 🍎 Students & job seekers (stand out with real structure)
• 🚀 Junior developers (quick professional portfolio)
• 💪 Experienced devs (modern UI without wasting time)

✨ Features

• High-fidelity UI with smooth animations
• Interactive sections (timeline, gallery, publications)
• Fully responsive & performance optimized
• Built with modern stack:
  • Next.js
  • React
  • Tailwind CSS
  • Framer Motion

🌐 Live Demo

👉 https://portfolio-for-sell-by-faysal.vercel.app/

💭 I’m planning to release this as a template.

Would love your feedback 🙌

• Is the “one-file config” useful?
• What would you improve?

📩 If you’re interested in getting early access, feel free to DM me.

Also can mail me at: faysalahmmed4200@gmail.com

#NextJS #WebDev #Portfolio #SoftwareEngineering #Developers #SideProject #CareerGrowth

Hey,

I was playing around with Portfolio Visualizer and came across something interesting, wanted to get your take.

Basically a super simple portfolio:

• LLY
• WMT
• COST
• TKO

All 25%, rebalanced once a year.

Results (2000–2026):

• ~14.5% CAGR
• ~17.6% volatility
• max drawdown ~36%
• beta ~0.65
• alpha surprisingly high (~9.5%)

(source: Portfolio Visualizer backtest)

What caught my attention:

1. Low correlation between holdings

Like really low in some cases:
LLY vs COST ~0.1
LLY vs WMT ~0.2

Feels like that’s doing a lot of the work here.

2. Held up relatively well in crashes

• dotcom ~-35%
• 2008 ~-32%
• covid ~-12%

Which is honestly better than I expected, especially without bonds.

3. Downside seems limited

Downside capture ~50%
So it drops about half of what the market does (at least historically).

What I’m trying to figure out:

• Is this just cherry picking / survivorship bias?
• Or is there something real here with combining low-correlation “quality” names?

Also:

• No tech exposure at all
• Heavy reliance on LLY
• TKO seems pretty volatile

Bigger question:

Would you ever consider something like this:

• as a small satellite portfolio?
• or is this just overfitting vs simply buying SPY / QQQ?

Curious how you’d look at this from a portfolio construction perspective.

https://www.portfoliovisualizer.com/backtest-portfolio?s=y&sl=5M43EcVsguYdqb4JI8PtUO