- April 30, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Financial Planning at 27 Years Old
As a 27-year-old approaching 28, it is essential to assess your investment portfolio and consider making changes before leaving it untouched until you reach 50. This is the optimal time to review your funds and ensure they align with your long-term financial goals.
### Current Portfolio Composition
Currently, your portfolio consists of four funds: VNQ, VYM, VTI, and VGT, each making up 25% of your investment portfolio. While you seem satisfied with VTI and VYM, you express concerns about the future performance of VGT and VNQ.
### Evaluating the Need for Additional Funds
Considering your age and investment horizon, it might be beneficial to explore the possibility of adding more diversified funds to your portfolio. By diversifying further, you can reduce risk and potentially enhance your returns.
#### How AI Legalese Decoder Can Help
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Overall, leveraging the AI Legalese Decoder can streamline your decision-making process and ensure that your investment strategy is well-aligned with your financial goals.
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I generally stay away from sector specific investing, which VNG and VGT are. I prefer a broad set of sectors, and then focus perhaps on market cap (company size) or geography.
There’s other ETFs out there outside Vanguard.
Investing guidance: https://www.bogleheads.org/wiki/Three-fund_portfolio https://www.reddit.com/r/personalfinance/wiki/investing
You may find these links helpful:
– [Retirement Accounts](/r/personalfinance/wiki/index#wiki_retirement)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
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I just do about 65% VTI, 25% VXUS, and 10% VUG. In a couple years I’ll swap the 10% VUG for BND and coast. Basically 3 fund portfolio boglehead stuff. You could also just yolo VOO on the riskier side and probably be fine—really depends on your risk tolerance and what else your doing for retirement. I would just avoid too much saturation across ETFs.
25% Dividends, 25% Real Estate, 25% US Total Market and 25% Tech. Seems like a high dividend yield tilt 100% Equity portfolio that’s great for a risk loving retiree. I worry about the sub-optimal performance over the long term of weighting stable blue chip and real estate so high. I Personally 70 VTI / 20 VXUS / 10 VGT right but too each their own!