Portfolio Check · by Minh Nguyen · 2026-09-11

I own 11 funds and honestly can't explain fund #9 anymore

This is me admitting complexity creep. I started with VTI + VXUS + BND and then layered on tilts every time I read one persuasive thread.

Now it's:
VTI 32%
VXUS 18%
BND 14%
AVUV 8%
SCHD 7%
VNQ 5%
GLDM 4%
TIPS 4%
emerging markets fund 3%
short-term treasury fund 3%
BTC 2%

None of these positions is individually crazy. Together they look like I tried to win a draft with myself.

102 sparks · 6 comments

Comments

Theo Bennett · 3 likes

This is the most normal advanced-person problem imaginable.

Aoi Ito · 1 likes

If it helps, write down the job of each holding. The ones without jobs get fired.

Ayesha Khan · 0 likes

Honestly I've seen much uglier. At least your overlaps are understandable.

Brave Coder · 1 likes

I did that exercise and realized one ETF's job was 'makes me feel smart.' It got cut.

Minh Nguyen · 0 likes

Okay that's exactly the vibe of two of mine

Hamza Malik · 0 likes

Fund #9 catching a stray lol