I have seen a lot of questions on allocation across various ETF’s and want to share my idea of how I am approaching this.
Current age: 38 years.
Hold period: 27 years.
HOLDINGS
SCHG - 40% (core holding).
JEPQ - 30% (income/dividend).
SOXQ - 20% (growth holding).
PLTR - 10% (growth holding).
(Note: I also have $500 invested in VUG and SCHD).
REASONING:
SCHG has a tilt towards tech and growth.
JEPQ will give me income NOW, which I need.
PLTR is because I believe in the growth story of this firm.
SOXQ is because I believe in semiconductor industry.
I am considering VGT instead of SOXQ as it has the semiconductor companies that I like. Have to decide on this.
With each decade, my allocaiton will change based on my requirement for cash flow.
Age 38-50 years.
Core - 40%
Dividend - 30%
Growth - 30%
Age 60-65 years.
Core - 30%
Dividend - 50%
Growth - 20%
soemthing to this extent.
I hope this gives you an idea on how to allocate your ETF’s across categories to make things simpler.
If you want a super minimalist ETF allocation, then just go 33% across all 3 categories or 50/25/25 across the 3 categories.
Submitted September 16, 2024 at 01:13AM by Left_Fisherman_920 https://ift.tt/Ikz46rN
