Portfolio Check · by Ngozi Bello · 2026-09-25
I made a 'simple' portfolio with 9 funds and I think I broke simple
37, accumulation phase, maybe early semi-retirement if things go well. Risk tolerance medium-high. I told myself I was building a clean diversified setup and somehow ended up here:
- 40% world ETF
- 10% US value ETF
- 10% international small cap ETF
- 10% quality ETF
- 5% REIT
- 5% emerging markets ETF
- 10% bonds
- 5% short-term bonds
- 5% cash
It's not insane, but it feels like I created a playlist instead of a portfolio.
- 40% world ETF
- 10% US value ETF
- 10% international small cap ETF
- 10% quality ETF
- 5% REIT
- 5% emerging markets ETF
- 10% bonds
- 5% short-term bonds
- 5% cash
It's not insane, but it feels like I created a playlist instead of a portfolio.
19 sparks · 5 comments