[Mona]

What should a diversified portfolio look like in your opinion? My retirement is anywhere from 12 to 17 yrs away depending on how things go.

I’m curious to hear how others are thinking about building a well-diversified investment portfolio with a retirement horizon of around 15 years.

Given the current economic climate, interest rates, inflation concerns, and the performance of different asset classes, how are you allocating your investments?

Are you leaning more toward stocks (domestic or international), bonds, real estate, ETFs, index funds, or maybe even alternative assets like gold or crypto?

How do you balance risk and potential growth with that timeline in mind?

Please share your ideal or current asset allocation, your thought process behind it, and any advice or lessons you’ve learned along the way.

Whether you’re a financial advisor, a DIY investor, or someone just getting started, your perspective is valuable!

Looking forward to learning from everyone’s strategies and insights.

[Rick]

Merriman foundation has a handful of diversified portfolios for review. PortfolioCharts a dozen of so.

WhiteCoatInvestor blog has an article on 150 portfolios but you can ignore about half as broad diversification was not the main criteria of the list.

Keep in mind these portfolios span accumulation through decumulation so each list could be reduced by a lot when looking for accumulation alone.

[Blair]

A world tracking index fund (Like VT for Americans, or VWRA for non Americans) and a high quality bond fund. I’m currently buying BNDX as an American, and IGLA is the go to for non Americans.

If you don’t know your risk tolerance, a good starting point is 80% Equity and 20% bonds.

Later you can adjust up or down based on your own risk tolerance. You should also have a small emergency fund in cash, something between 2 month’s expenses up to about 12 month’s expenses.

If it’s a larger amount you should consider a high yield savings account for the cash.

You don’t need any other instruments, particularly when you’re just getting started.

[Eva]

That is a very long time horizon, The key is the hold what you have with confidence and to not sell during ups and downs as that’s where you screw your self over.

There’s nothing wrong with all equities knowing your time horizon UNLESS you can’t stomach seeing your portfolio going down did ten years and would sell.

If you understand it will correct and are okay with that long of a drop all equities should be sufficient.

I’ll go ahead and give specifics of what is hold if I were you:
50% LCG & 50% SCV.

or if you wanted more diversity, I’d do Paul Merrimans ten fund portfolio.

Rebalance annually.

[Author]

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