So I am currently getting into investing and learning the basics but would appreciate some input on my current portfolio distribution. The goal is long-term sustained growth over 30 years or so with a “buy and hold” mentality.
I like the Bogleheads mentality, but got a 3 day ban and a modmail mute from their sub for even mentioning investing in QQQ.
Currently my distribution is based on a standard 3 fund portfolio with tilts in tech and real estate because I think those markets will continue to improve over the next 30 years. My distribution is:
40% VTI
20% VTXUS
20% BND
10% VNQ (REIT)
10% QQQ
Any input or changes you’d recommend?
I’m aware the REITs aren’t the most efficient in a taxable brokerage, but with my income tax bracket, it would be negligible bump. I like them as an inflation hedge and the extra investable income via dividends. If I were to cut something, I’d sell my Shares here and move it to VTXUS for more foreign market involvement however as above, I think the real estate market will continue to grow in demand.
I am also aware that tech and QQQ is volatile in the market, however, I do not think we are going to see tech become less of an integral part of our society or economy especially with the rise of AI. It seems silly to not tilt your portfolio to tech a little given that we are closer to colonizing the moon than going back to analog clocks and dialup.