Tim Cook Lands Fresh Pay Package Investment Club

Tim Cook Lands Fresh Pay Package
Mubadala Buys Into Silver Lake
General Atlantic Buys Into Reliance Retail
AppHarvest Eyes Reverse Listing
Rate my Portfolio (30y/o, 20+ year horizon)
Where to invest
ZocDoc Stock Analysis��, is ZocDoc a BUY on PRE-IPO market for $9 per share?

Tim Cook Lands Fresh Pay Package

Posted: 30 Sep 2020 04:14 AM PDT

submitted by /u/The-Techie
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Mubadala Buys Into Silver Lake

Posted: 30 Sep 2020 05:41 AM PDT

submitted by /u/The-Techie
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General Atlantic Buys Into Reliance Retail

Posted: 30 Sep 2020 07:56 AM PDT

submitted by /u/The-Techie
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AppHarvest Eyes Reverse Listing

Posted: 30 Sep 2020 07:05 AM PDT

submitted by /u/The-Techie
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Rate my Portfolio (30y/o, 20+ year horizon)

Posted: 29 Sep 2020 01:22 PM PDT

Hi there. Long time lurker but first time poster. I'm looking for both general and specific advice on my portfolio.

I'm currently 30 years old making a good salary compared to my area's cost of living. I'm a homeowner and I live well below my means. My monthly bills and mortgage total to about 30% of my net income (+/-) and I spend another ~25% on discretionary, leaving approx 45% for saving and investing. I have an employer sponsored traditional 401k to which I contribute enough to get the full employer match (50% of contributions up to $4k total) and a Roth IRA which I max every year. Currently also saving cash to renovate my kitchen (bought my house well under market value so I should be able to re-coup most of the renovation expenses when I sell in the next ~5yrs) as well as to continue building an emergency fund (I'd like to have 1 year of expenses saved in cash; I was there until I put part of it towards my down payment on my house, so now I'm focusing on re-building it), and once I hit those landmarks I will be focused on maxing my 401k every year. I also contribute the yearly max to an HSA (not currently invested but I do have the ability to move some of it to low risk funds to help cover monthly fees). My debt is limited to my mortgage and my credit card which I use to cover all my expenses and pay off every single month (I've never paid a cent in interest). I'm very good at cost averaging and keeping my emotions out of my strategy.

My goal is long-term growth of capital. I don't plan on retiring any time soon (50 at the earliest) so my risk tolerance is fairly high. My investment portfolio is as follows (percentages approximate):

VFINX: 50%
VDIGX: 12%
FBGRX: 22%
TSLA: 5%
AMD: 4%
DIS: 3%
V: 2%
LMT: 2%

Vanguard funds are held in my 401k, FBGRX is the sole holding in my IRA, and individuals live in a non-tax advantaged account with TD. The TD portfolio was in sector/market cap ETFs until COVID hit, at which point I sold off my holdings to lock in some long-term gains and re-strategize into something a little riskier. I was originally at a fairly even split between the five companies, but you all know what has happened with TSLA and AMD in the past six months. I don't currently contribute to this account on a regular basis, so buying more of the underweight positions with cash isn't currently in the cards (but will be once I meet my cash savings goals).

My investment portfolio is approx 67% of my total net worth, with 15% in homeowners equity and the remainder in cash/equiv.

The obvious general question is, what do you think of my portfolio given my age and goals? What would you add/remove, and why?

Specific questions I have:

Do I have enough dividend exposure? I know dividends are an important part of any long-term strategy. Between VDIGX, LMT, and V, I only have about 19% of my portfolio in dividend holdings. Should I bump VDIGX up in my 401k portfolio (currently targeted to 80/20)? Should I consider selling off some AMD/TSLA to lock in profits and re-invest in some more LMT/V (short-term tax implications apply here)?
Do I need to add any bond exposure? Like I said, I'm fairly risk tolerant. Do dividend holdings offer a good enough alternative to bonds for someone my age with my time horizon? Or should I have 5-10% in fixed income in addition to my dividend holdings?
Am I double-dipping too much on VFINX and FBGRX? A lot of the top holdings are similar but FBGRX adds more weight to some of the mega cap growth companies (FAANG, Microsoft). Does this expose me too much to the top holdings? Should I consider moving some of the funds elsewhere? (this kind of goes hand-in-hand with the VFINX/VDIGX ratio question, because if I balance away from VFINX my double exposure with FBGRX will also decrease).
Should I add some international? I recognize that in the past 10 years the rest of the world has for the most part lagged behind the US but I've also been told 5-10% should be my minimum exposure to intl funds. Thoughts? Suggestions for specific funds/companies?
Same question as intl but for mid/small-cap funds. Should I consider adding some of these? What recommendations do you have? (I was previously in both VOT and VIOG before I moved my ETFs to individuals)
Should I consider moving some funds into an actively managed, higher risk fund like an ARK fund or two?
Finally, my employer-sponsored 401k is currently a Traditional account. I do have the option to convert it to a Roth. I would some day like to not work at all, and my IRA is a Roth, so the majority of my taxable income in retirement will come from this account. At my current contribution and return levels, Vanguard projects my monthly withdrawals from this account to approximately equal to my current gross income (obviously not accounting for inflation). Does it make more sense to keep the Traditional 401k or convert it to a Roth?

Thanks in advance for any responses you may have. I appreciate it greatly!

EDIT: incorrectly stated that my 401k would pay approx double my current salary. It'll actually be pretty similar to my current salary (nominal dollars).

submitted by /u/shambooki
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Where to invest

Posted: 29 Sep 2020 05:31 PM PDT

Hey!

I m 21 and I tried trading a lot of times but I actually had more losses than profits. So now I m looking for something else. Any ideas? Sorry for the nooby question

submitted by /u/sufian09
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ZocDoc Stock Analysis��, is ZocDoc a BUY on PRE-IPO market for $9 per share?

Posted: 29 Sep 2020 12:33 PM PDT