Hey everyone, I’m 27 and just getting started with investing. I do wish I had started earlier, but better late than never, right? I’ve read a couple of books, spent time on forums, and now I feel informed enough to build a basic portfolio. That said, I know I still have a lot to learn, so if any of my questions or reasoning seems off, feel free to let me know.
**My Portfolio (TFSA – Self-directed with WealthSimple)**
# Overall Allocation:
* **80% Equity, 20% Bonds**
Equity Breakdown (80% of Portfolio):
>**79.26% Growth** (Focused on long-term market appreciation)
>**VCE (Canadian Market, home bais):** **8.87%**
>**VEE (Emerging Markets):** **10.80%**
>**VFV (S&P 500 – US Market):** **21.57%**
>**XQQU (Nasdaq-100 – US Tech):** **17.51%**
>**ZCH (China-Focused Growth ETF):** **8.95%**
>**VIU (International Developed Markets ex NA):** **11.54%**
>**20.74% Dividend** (passive income)
>**VDY (Canadian Dividend Stocks):** 20.74%
Bonds (20% of Portfolio):
>Still deciding, but looking into VLB, VAB or another bond ETF. I’ve got $3k in cash waiting to be allocated. Open to suggestions!
# Other Accounts:
* **Emergency Fund(Conservative, enough to survive for 3 months):**
* 50% in [**CASH.TO**](http://CASH.TO)
* 50% in my checking account
* **RRSP:**
* Late to the RRSP party as well, just started contributing aggressively and planning to max it out over the next couple of years(might even transfer from TFSA to RRSP). Thinking of the same allocation as above for my RRSP account.
* **"Fun" Money:**
* I put $1,000 into FBTC and IBIT(\~$500 in each). If it drops to $0, I’ll survive—it’s my "let’s see what happens" experiment.
My thoughts:
The portfolio is intended for long-term growth with exposure to Canadian, US, developed, and emerging markets. I know I’m heavily tilted toward the US market right now, but I’m evaluating the risk and if needed will consider reallocation.
I trust this community to know what they’re doing, so I’m here for advice. Does this portfolio look reasonable? Should I tweak my allocations, or am I missing something important?
Other info that might help: I’m okay with medium risk, investing for the long haul (25+ years), and plan to keep it passive. Let me know if there’s anything else I should consider or share to make this post more helpful! Thanks!
Posting this on r/investing as well as r/PersonalFinanceCanada, so apologies if some of you see this twice.