r/ratemyportfolio

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I’m 36, married, and investing with a roughly 20–22 year time horizon. I’m comfortable with volatility and mainly focused on maximizing long-term growth.

Current contribution setup:

My 401(k)

Invested in VUG

Employer contributes 3% automatically

I’m currently not adding my own employee contribution

Wife’s 401(k)

Invested in VOO

She contributes 5% of salary

Employer match is 4%

Roth IRAs

We plan to max both Roth IRAs every year

Contributions are split 50/50 between:

Bitcoin ETF exposure

SMH / semiconductor ETF

General approach

No bonds right now

No international funds right now

Very aggressive allocation

401(k)s are carrying the broad U.S. market / growth exposure

Roth IRAs are being used for the highest-growth, highest-risk part of the portfolio

Main question:

Does this contribution setup make sense for a 36-year-old couple with 20+ years left and a high risk tolerance? Or is the Roth IRA allocation too concentrated even for an aggressive investor?

I’m especially interested in feedback on:

VUG vs VOO in the 401(k)s

Maxing Roth IRAs into 50% Bitcoin ETF / 50% SMH

I DCA monthly: 30% goes to ETF FTSE All world USD Acc, 30% ETF Core Msci Europe Eur Acc, 10% ETF semiconductors USD Acc, 5% etf ibex 35 EUR acc, 5% etf stoxx 600 european utilities EUR DISTR, and then the rest is certain stocks like MSFT , Sony, and other banking/tech stocks

Any commentaries or suggestions? Thank you!

VWCE, AVWS, VAGF, ICHN and XFVT (55/15/15/10/5)

Good morning friends - very long time reddit lurker (re years) first time poster. Qualifier for those looking at my reddit metrics blah blah blah. Ok that is out of the way.

I have been wanting to get much more serious into investing. I dabbled a bit in 2016ish with single stocks and did alright, not great, but still solid in the black. I think that little portfolio went 4x on like $3,000. So not bad, but not enough.

I have been cogitating on some portfolios bullish into semiconductors with some added cushion for downturn. Below is what I have come up with. Also it seems like Monday is the time to buy these days

Option a

• 35% SOXX
• 25% IVV
• 15% FTXL
• 10% XSD
• 10% IXN
• 5% XLB
• Return: 13–17%
• Expense Ratio: ~0.22%

Option B

• 30% IVV
• 20% SOXX
• 15% SCHD
• 15% FTXL
• 10% VXUS
• 10% IXN
• Return: 12–14%
• Expense Ratio: ~0.13%

Both have Monte Carlo scores over 87 for what that is worth. How does it look? If you had to pick one, which and why, or other? Thanks!
/s

First time investing in a stocks and shares isa - thinking £10k initial investment (adding min £100 a month) long term over 20+ years. Thoughts on my pie?

65% Vanguard S&P 500 (Acc)

15% iShares MSCI World ex-US (Acc)

10% Vanguard FTSE Emerging Markets (Acc)

5% iShares Physical Gold (Acc)

5% Invesco EQQQ Nasdaq 100 (Acc)

Thanks!

 am completely new to investing in stocks. I am wondering in your opinion, what is the best stock to invest in, thinking....long term? (5+ years) I know it's a loaded question.

I've been reading RocketLab and TSE: MDA. What are your thoughts? Would you say it's too late to invest in these? I'm willing to risk 1-2 grand.