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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.

19 sparks · 5 comments

Comments

Maya Williams · 4 likes

Nothing individually wrong there, which is why these portfolios are so sneaky.

Ngozi Bello · 2 likes

Same. every fund had a little sales pitch in my head

Midnight Atlas · 1 likes

I got exhausted just reading the maintenance burden.

Miguel Santos · 0 likes

Ask yourself which holdings truly change outcomes versus just scratch an itch.

Isha Menon · 0 likes

Playlist instead of portfolio hahaha