Posts  / #POST-216943
REDDIT

Early 20s portfolio and looking for feedback on diversification / risk

W
Jan 15, 2026 · 17:17

I’m in my early 20s and have been investing for a few years. I’m long-term focused (no trading, no options) and reinvest dividends. I’m mainly looking for feedback on diversification, concentration risk, and whether anything here feels redundant or missing.

Current holdings:

* VOO
* VXUS
* Amazon
* Apple
* Meta
* Nvidia
* TSM
* Alibaba (BABA)
* IBKR
* Gildan

I know there’s a heavy tilt toward big tech/growth, which I’m okay with given my time horizon, but I’m wondering if there are any obvious overlaps or risks I’m underestimating?