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Portfolio Check · by Maksym Bondar · 2026-09-02

44 and my accounts turned into a junk drawer of funds

Over 15 years I kept adding 'just one more' fund. Now I have overlap everywhere and I honestly couldn't tell you my true exposure without three tabs and a headache.

Approximate current mix if I squint:
- 55% broad equity funds
- 15% factor tilts
- 10% regional funds I no longer believe in
- 10% bonds
- 10% cash

Goal is retirement in my 60s. Risk tolerance medium. Have any of you successfully simplified without turning it into a six-month optimization project?

18 sparks · 5 comments

Comments

Aoi Ito · 25 likes

Do not wait for the perfect tax/loss/market moon phase. Just clean it up.

Omar Al Falasi · 7 likes

Yes: write the target portfolio on one page, then merge one mess category per month.

Maksym Bondar · 2 likes

That is TOO real. each one was once a brilliant idea at 11:30pm

Gentle Fern · 1 likes

Junk drawer is the perfect phrase. Mine had three dividend ETFs that all owned the same 20 names.

Chinedu Adeyemi · 0 likes

Simplification feels expensive emotionally because every fund once had a story.