What percentage of your portfolio do you put into specific stocks you believe in vs just VTI VXUS and the like? I've been historically so conservative and mostly done target dates

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I used to have half in single stocks and over many many years realizes it doesn’t outperform the broad market over a long time and is just easier and less stressful to index. So now I’m 100% index funds. It was fun in my 20’s to throw $ into things and see what they do but feels less responsible now that I’m close to retirement. I will say the big losses sting twice as much as the equal big gains, even 15 years later.

likesmart

95% indexes, but not target date because too many bonds. SPY/VTI/TQQQ

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Thanks for explaining. It's worth mentioning that among these three decisions, mild and consistent leverage is the most supported by research.

Probably 90% of my stock portfolio is in single stocks.

likefunny

OK, good luck and enjoy.

I hold 100% indices and do not hold individual stocks.

The reasons people give for doing so are typically straightforward mistakes.

likesmart

Agree. Same

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I stick mostly to index, but I do have about 5% in Bitcoin.

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VOO 95%. 5% high upside risky bets (crypto, etc.). Target date funds dramatically underperform with little to no meaningful hedge value.

Stock picking is almost universally a bad idea without specialized industry insight or insider information. Lone exception being COVID when everyone with two brain cells could see that hotel, cruise, airline, and disney stocks were ridiculously cheap. Those sort of mass overreaction events are rare and fleeting.

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Almost no single stocks (tiny percentage), except for my employer’s stock, which would make up 2% of my taxable investments if considering only the vested portion and over 15% if you consider vested and unvested…. I don’t count the unvested in my NW though.

smart

Zero individual stocks.

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~20% in individual equities, ~30% direct share ownership through SMA’s, rest is all index or similar…

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I’m 85% in single stocks.

Indexed and allocated across multiple asset classes (equities, bonds, precious metals, real estate, etc.)

80 indiv / 20 index

65 voo
15 vxus
10 xle
10 gld

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