I’m split into 3 major asset groups: Real estate (property), brokerage (IRA, SEP, stock), liquid assets . That split is about 20%. 70% and 10% respectively.
The brokerage account is split into 2 main categories: funds and stock at about 80%, 20%respectively
I split the funds into 4 categories in roughly equal amounts.
All are ETF with extremely low fees. 0.06% I manage my own funds and do my best to avoid fees. I do not have or need a “money manager”. (I am an arrogant, over confident engineer and do not believe in fortune tellers.)
The 4 ETF funds I’ve chosen are: (nominally)
Total Market: Relatively stable and follows the market
Mid Cap: a little riskier but offers higher returns
International: Goes up if US has a problem. goes up if the rest of the world does well. Bond fund: Very stable does not change much.
Each fund is an agglomeration of more than 100 companies in all industries.
The stock is split into about 75% long term holdings, and 25% high risk. I play with the high risk and know that I can lose it if I bet wrong.
I just checked YTD performance.
Stock account: +9.56%
Overall: +1.43%
For comparison –
S&P 500: +1.38%
Is that specific enough?