Hi everyone,
I’m building a **long-term, diversified portfolio** and trying to keep it aligned with **fixed target percentages** rather than reacting to short-term market moves. The goal is steady growth, controlled risk, and diversification. I rebalance mainly by adding new money.
**Target allocation (100% total):**
* **Core Index – 30%** • S&P 500 ETF
* **Growth Index + Hedge – 30%** • QQQM – 15% • Gold – 15%
* **Big Tech (intentionally capped) – 10%** • Google • NVIDIA • Broadcom
* **Other Large-Cap Growth – 5%** • Apple • Alibaba
* **Healthcare – 10%** • UnitedHealth Group • Novo Nordisk
* **Consumer Defensive – 5%** • Coca-Cola • Costco • Walmart
* **Energy / Nuclear / Materials – 10%** • SLB • Cameco • LEU
**Strategy notes:**
* Long-term horizon, not trading or market timing
* Rebalancing mostly through new contributions
* Big Tech capped to limit concentration risk
**Questions:**
1. Does this allocation make sense for a long-term portfolio?
2. Are any sectors here structurally over- or underweighted in your opinion?
3. Would you change any target percentages, or is the balance reasonable?
Thanks in advance for any constructive feedback.