كما أنني مبتدئ في الاستثمار بدأت منذ شهر واحد فقط، أبحث عن ملاحظات حول توزيع محفظتي الحالية. استراتيجيةي تتضمن توزيع الاستثمارات بشكل متساوٍ، بواقع 10% لكل سهم محدد. أخطط لإعادة توازن هذه المحفظة سنويًا للحفاظ على توزيعي المستهدف. أقدر أي رؤى أو اقتراحات حول التكيفات المحتملة مع هذا النهج.
I’ve had success with TKO, but the decision is ultimately yours.
Which international ETF would you recommend?
I invest in Vanguard’s Total International Stock Fund and Total International Bond Fund.
Other companies offer similar stock funds that are likely just as good.
While I’m not aware of a comparable international bond fund, it’s perfectly acceptable to allocate your entire bond portion to US bonds instead.
You’re welcome.
You should diversify your portfolio. Consider using VT for broad global market exposure. While individual stock picks can be strong, be aware that PLTR carries high risk. Compare PLTR’s P/E ratio of 380 to NVDA’s 50—PLTR would need substantial growth to justify its current price. Avoid panic selling and plan to hold investments for at least 10 years.
Avoid rebalancing, as it can reduce your returns. The stocks you’ve chosen might include a unicorn that delivers exceptional gains if you simply continue adding to your positions without rebalancing.
Past performance does not guarantee future results. Just because a stock has seen significant gains doesn’t mean it will continue to do so. Rebalancing your portfolio helps prevent any single asset or stock from negatively impacting your overall returns.
While it’s true that rebalancing can lock in smaller gains, it also limits your potential for turning $10,000 into $100,000 with a single stock. Your approach should depend on your risk tolerance. Personally, I prefer to let investments sit untouched until selling, as statistics show this strategy tends to yield higher returns over time.
That’s not accurate. I have a degree in mathematics, and that’s not how it works.
I’m struggling to understand compounding, letting stocks run, and rebalancing. Could you explain why it’s beneficial to rebalance and sell profitable ETFs or stocks while they’re still growing?
Past performance does not predict future results.
Compound growth means earning returns on your previous returns. It doesn’t matter whether the new growth comes from the same asset or a different one.
For example, if ETF A and ETF B both grow 10% in the first year and 20% in the second, you’ll end up with the same total. Starting with $100, you’d have $132 after two years, including $2 of second-year growth from the first year’s earnings.
If you moved the first year’s $10 gain from ETF A into ETF B, ETF A would grow to $120 and ETF B to $12—still $132 total, just like if you’d kept everything in one fund.
While we may have differing views, I believe there’s considerable misinformation in economics. For example, rebalancing can limit long-term gains, trickle-down economics has proven ineffective, and inflation doesn’t truly drive economic growth but rather disadvantages lower-income individuals.
Thank you for the suggestion. I plan to rebalance the tech sector annually, keeping only the top five tech companies. I currently do not hold PLTR in my portfolio. I may adjust my allocation to 20% VT and 80% in these stocks to diversify.
Welcome to investing! It’s great to see you getting started.
Consider exploring defense contractors and technology stocks.
My strategy currently focuses on the top five tech companies and the top five defense companies.
Consider investing in a defense ETF.
Which one would you recommend?
You could simply invest in the total stock market at market cap weights.
You might want to diversify your investments a bit.
Thank you, I really appreciate this.
It may be best to wait until the second quarter of 2026 before starting to invest.
I suggest selling your Aerospace & Defense stocks, as further escalation of war appears unlikely. Consider investing in companies like Nebius instead.
To diversify from tech while maintaining growth potential, which sector would you choose?