36-year-old with $ 253,000 in shares says “Need some direction”-only $ 4.2,000 in dividends and Reddit loses it because of its possessions

36-year-old with $ 253,000 in shares says “Need some direction”-only $ 4.2,000 in dividends and Reddit loses it because of its possessions

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Many investors begin their journey by buying shares that they like, pursue dividends, or diversify themselves in various assets, just to realize later that their portfolio needs serious repair.

Whether it is a portfolio distribution, investing dividends or early retirement planning, the right strategy depends on the clear financial goals. There are investors hunting high-yield dividends, while others give priority to growth just to find that their participations are too scattered or lower.

Don’t miss out:

One such investor, a 36-year-old with a portfolio of $ 253,542, has recently become a reddit for advice. Despite his significant performances, he won only $ 4,200 annual dividends and admits his investment is “everywhere”.

“I feel like my portfolio is everywhere. I certainly don’t feel that I am getting $ 4,000 annual dividends. How would you restructure all this? There are no clear goals, but I would like to retire early from burning work,” he writes.

His Portfolio Leans Heavily Int S&P 500 ETFS Like Vanguard S&P 500 ETF (Nyse: Voo) and SPDR S&P 500 etf Trust (Nyse: Spy) and Tech Stocks Like NVIDIA (NASDAQ Microsoft (NASDAQ: MSFT), But Commenterters Noted Overlap, Inefficience, and low yield as the main problems. His post caused an intense discussion, with many red ditors pointing to the overlapping ETF and the lack of focus in his strategy.

Trend: No wonder Jeff Bezos owns over $ 250 million art – This alternative asset ahead of the S&P 500 since 1995, providing an average annual return of 11.4%. Here’s how everyday investors start.

Investor with $ 253,000 shares and only $ 4,200 Dividend revenue wants redirect – Reddit delivers

Consolidation of overlapping ETFs and ditches with more results

Many commentators have indicated that VOO and SPY track the same index, making one unnecessary, while others note that individual stocks such as Apple and Microsoft are already highly weighed in its ETF, creating unnecessary duplication.

“Voo and Spy are absolutely the same thing, the S&P 500 index. You don’t need both. Your spy is smaller than Voo, so sell the spy and put the money in Voo. You don’t need Voo/spy and [Fidelity ZERO Total Market Index Fund (FZROX)] also. As Voo slightly superior to Fzrox, I would sell Fzrox and put the money in Voo, “Redditor advised.

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