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?
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