[USER]

• 35% VTSAX (US total market)
• 20% SCHG (US large-cap growth)
• 20% VTIAX (international)
• 10% SMH (semiconductors)
• 15% SCHD (dividend equity)

35 yo. Looking for growth for the next 25 years. Any recommendations?

How does this look.

[Joseph]

Personally, I don’t diversify much outside of Nasdaq and 500 funds given that my time horizon is 30 years.

I think as I reach the last decade before retirement, then I’ll start diversifying a bit more.

But that doesn’t stop me from buying individual stocks too haha

[Eneet]

Also 35 and have similar goal as you. To add more focus (and risk), I’d lessen/remove VTIAX, VTSAX and replace with other indexes where I think there more growth (e.g. VCR, VOX).

The SCHG is great and has exposure to companies like GOOG, TSLA, NFLX, AMZN, META but enough for my likings as I believe in those companies (as an investor)

[Heleine]

Your portfolio looks solid for growth! It’s well-diversified with a good mix of US and international stocks, plus some sector-specific exposure.

For your age and time horizon, it seems like a reasonable allocation.

[Elena]

Why dividend equity if you are looking for growth? Maybe take Nasdaq instead?

[Lee]

Good but maybe do 10% international instead of 20%. Add 10% S&P500.

[Jennifer]

VTSAX and SCHG got you riding the U.S. market momentum, SMH gives you that high-beta tech juice, and SCHD adds stability with dividends.

Just keep an eye on sector weightings—too much overlap can cap upside.

You’re positioned well for long-term compounding.

[Author]

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