Posts  / SPY  / #POST-215981
REDDIT

I'm investing for the first time in years

M
Jan 5, 2026 · 18:58

Hey guys. For context I'm from Argentina so 120 dollars monthly here is a decent amount of money to invest in stocks.

With that being said, I opened my portfolio through a broker that allows me to access the US market without any fees or restrictions that I would face if I use any CEDEARS (basically US stocks mirrored in Argentine pesos), and started my tiny portfolio with what I think is a more than decent diversification.

While I'm no MBA I do have prior experience in stock markets, investing, options, crypto and other tools, but I played with fire some years ago (LUNA flashbacks) and basically chickened out of crypto and investments all together, especially since I lost my job a year ago.

I now have a stable good paying job and I can invest around $100-$120 USD monthly ($117,23 this month), and decided to build a rather safe and conservative portfolio consisting off: 35% in SPDR 500, 15% each in VTI and QQQ, 5% each in KO, JNJ, and AAPL, 7% in MSFT, and 6% each in NVDA, AMZN, and META.

I did some math and corroborated this info with some help of AI and apparently I would be getting between 5% and 15% returns annually including dividends (can be more if the market goes bullish).

Any advise? Any changes I should do? Do you think this portfolio is good? All help will be highly appreciated!