Here’s my $ portfolio — feel free to copy it

If it works for me (and my advisor), it can work for you too.

April 30, 2025

I pay a financial advisor 1% of my portfolio every year - and honestly, you could just copy my portfolio for free.

This strategy isn't complicated.
It's not about chasing "hot stocks" or crypto hype.
It's about global diversification, steady growth, and consistency.

To be transparent, I also have:

  • A separate crypto portfolio,

  • A higher-risk portfolio I manage myself,

  • And an Airbnb investment.

*Please not to forget about dollar-cost averaging - we've build this portfolio in a course of a year investing once in two weeks.

The portfolio I’m sharing today is around 50% of my total invested assets.

Here’s the simple but powerful strategy we use:

  1. Stocks (~62%)

We invest broadly across U.S. and international markets through low-cost ETFs:

  • iShares S&P 100 ETF (OEF) — 20.67% of my total portfolio

  • Vanguard Growth ETF (VUG) — 14.20%

  • iShares MSCI EAFE Value ETF (EFV) — 4.74%

  • iShares MSCI EAFE Growth ETF (EFG) — 3.87%

  • iShares MSCI Emerging Markets ex-China ETF (EMXC) — 3.55%

  • Vanguard Value ETF (VTV) — 3.40%

  • iShares Russell 1000 Value ETF (IWD) — 3.08%

  • Technology Select Sector SPDR ETF (XLK) — 2.99%

  • iShares Russell Mid-Cap ETF (IWR) — 2.88%

  • Energy Select Sector SPDR ETF (XLE) — 1.56%

  • iShares Russell Top 200 Value ETF (IWX) — 1.25%

  • iShares Core MSCI Emerging Markets ETF (IEMG) — 0.13%

  • Xtrackers MSCI EAFE Hedged Equity ETF (DBEF) — 0.07%

This diversification gives me exposure to U.S. large caps, growth sectors like tech, energy, and global markets.

  1. Bonds (~37%)

For stability, we allocate a significant chunk to bond ETFs like:

  • Vanguard Short-Term Bond ETF (BSV)

  • iShares Core Total USD Bond Market ETF (IUSB)

  • Schwab U.S. Aggregate Bond ETF (SCHZ)

plus others focused on U.S. Treasuries and aggregate bond indexes.

  1. Cash (~1%)

We keep a small cash position for flexibility - to invest more during downturns or handle near-term needs.

Consistency beats complexity.
You don't need to predict the future - you just need a plan that keeps moving you forward.