{"id":166994,"date":"2025-04-01T17:11:34","date_gmt":"2025-04-01T17:11:34","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/mmb-portfolio-asset-allocation-performance-2025-q1-update-my-money-blog\/"},"modified":"2025-04-01T17:11:34","modified_gmt":"2025-04-01T17:11:34","slug":"mmb-portfolio-asset-allocation-performance-2025-q1-update-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=166994","title":{"rendered":"MMB Portfolio Asset Allocation &#038; Performance \u2013 2025 Q1 Update \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><a href=\"https:\/\/personalcapital.sjv.io\/e4R5XD\" rel=\"noopener\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1.jpg\" alt=\"\" width=\"720\" height=\"526\" class=\"aligncenter size-full wp-image-75527\" srcset=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1.jpg 720w, https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1-300x219.jpg 300w, https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1-180x132.jpg 180w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n<p>I try to limit checking my portfolio to once a quarter, and this is my 2025 Q1 update that includes our combined 401k\/403b\/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments.   Following the concept of <a href=\"https:\/\/www.mymoneyblog.com\/skin-in-the-game-taleb-book-notes.html\" rel=\"noopener noreferrer\" target=\"_blank\">skin in the game<\/a>, the following is not a recommendation, but a sharing of our actual, imperfect DIY portfolio.  <\/p>\n<blockquote>\n<p>\u201cNever ask anyone for their opinion, forecast, or recommendation. Just ask them what they have in their portfolio.\u201d \u2013 Nassim Taleb<\/p>\n<\/blockquote>\n<p><strong>How I Track My Portfolio<\/strong><br \/>Here\u2019s how I track my portfolio across multiple brokers and account types:  <\/p>\n<ul>\n<li>The <a href=\"https:\/\/personalcapital.sjv.io\/e4R5XD\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Empower Personal Dashboard real-time portfolio tracking tools<\/strong><\/a> (<strong>free<\/strong>) automatically logs into my different accounts, adds up my various balances, tracks my performance, and calculates my overall asset allocation daily.  Formerly known as Personal Capital.<\/li>\n<li>Once a quarter, I also update my <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1e7997m_ytkMNOr1UpA9W0qPMfT4SibwjIzS8DQ8lUU8\/copy\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>manual Google Spreadsheet<\/strong><\/a> (<strong>free to copy<\/strong>, <a href=\"https:\/\/www.mymoneyblog.com\/simple-portfolio-rebalancing-spreadsheet-tool.html\" rel=\"noopener noreferrer\" target=\"_blank\">instructions<\/a>) because it helps me calculate how much I need in each asset class to rebalance back towards my target asset allocation.  I also create a new tab each quarter, so I have a personal archive of my net worth dating back many years.<\/li>\n<\/ul>\n<p><strong>2025 Q1 Asset Allocation and YTD Performance<\/strong><br \/>Here are updated performance and asset allocation charts, per the \u201cHoldings\u201d and \u201cAllocation\u201d tabs of my Empower Personal Dashboard.    <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/03\/port_perf_2504.gif\" alt=\"\" width=\"720\" height=\"404\" class=\"aligncenter size-full wp-image-82848\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/03\/port_aa_2504.gif\" alt=\"\" width=\"720\" height=\"361\" class=\"aligncenter size-full wp-image-82849\" \/><\/p>\n<p>The major components of my portfolio are broad index ETFs.  I do mix it up a bit around the edges, but not very much.  Here is a breakdown of my target asset allocation along with my primary ETF holding for each asset class.  <\/p>\n<ul>\n<li>35% US Total Market (VTI)<\/li>\n<li>5% US Small-Cap Value (VBR\/AVUV)<\/li>\n<li>20% International Total Market (VXUS) <\/li>\n<li>5% International Small-Cap Value (AVDV)<\/li>\n<li>5% US Real Estate (REIT) (VNQ) <\/li>\n<li>20% US \u201cRegular\u201d Treasury Bonds or FDIC-insured deposits<\/li>\n<li>10% US Treasury Inflation-Protected Bonds<\/li>\n<\/ul>\n<p>Big picture, it is 70% businesses and 30% very safe bonds\/cash:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2024\/07\/2024q2_port_pie.gif\" alt=\"\" width=\"720\" height=\"540\" class=\"aligncenter size-full wp-image-80198\" \/><\/p>\n<p>By paying minimal costs including management fees, transaction spreads, and tax drag, I am trying to essentially <em>guarantee<\/em> myself above-average net performance over time.  <\/p>\n<p>I do not spend a lot of time backtesting various model portfolios, as I don\u2019t think picking through the details of the recent past will necessarily create superior future returns.   You\u2019ll usually find that whatever model portfolio is popular at the moment just happens to hold the asset class that has been the hottest recently as well.   <\/p>\n<p>The portfolio that you can hold onto through the tough times is the best one for you.  Every asset class will eventually have a low period, and you must have strong faith during these periods to earn those historically high returns.   You have to keep owning and buying more stocks through the stock market crashes.  You have to maintain and even buy more rental properties during a housing crunch, etc.    <strong>A good sign is that if prices drop, you\u2019ll want to buy <em>more<\/em> of that asset instead of less.<\/strong>    I don\u2019t have strong faith in the long-term results of commodities, gold, or bitcoin \u2013 so I don\u2019t own them.  <\/p>\n<p><strong>Performance details.<\/strong> According to <a href=\"https:\/\/www.mymoneyblog.com\/recommends\/empower-dashboard\" rel=\"noopener noreferrer\" target=\"_blank\">Empower<\/a>, the S&amp;P 500 went down about 5% the first quarter of 2025, while foreign stocks went up around 7%.    I don\u2019t remember that happening for a while, and apparently it hasn\u2019t happened since 2009 (see below;<a href=\"https:\/\/www.bloomberg.com\/news\/articles\/2025-03-31\/us-stocks-swoon-as-trump-sows-economic-fear-across-wall-street\" target=\"_blank\">source<\/a>).   Overall, my portfolio was flat.   <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/04\/port_sp500trails.gif\" alt=\"\" width=\"720\" height=\"410\" class=\"aligncenter size-full wp-image-82858\" \/><\/p>\n<p>Over the last quarter, here\u2019s a Growth of $10,000 chart courtesy of <a href=\"https:\/\/testfol.io\" target=\"_blank\">Testfolio<\/a> for some of the major ETFs that shows the difference in performance in the broad indexes:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/03\/port_etfcompare_2504.gif\" alt=\"\" width=\"720\" height=\"454\" class=\"aligncenter size-full wp-image-82850\" \/><\/p>\n<p>I always like to remember the big picture.   Here\u2019s an updated Morningstar Growth of $10,000 Chart for the Vanguard LifeStrategy Growth Fund (<a href=\"https:\/\/www.morningstar.com\/funds\/xnas\/vasgx\/chart\" target=\"_blank\">VASGX<\/a>) which holds a static 80% stocks and 20% bonds and most closely mimics my portfolio since 2005, which is when I started investing more seriously and started this blog. <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/03\/port_longterm_2504.gif\" alt=\"\" width=\"720\" height=\"390\" class=\"aligncenter size-full wp-image-82851\" \/><\/p>\n<p>I\u2019ll share about more about the income aspect in a separate post.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>I try to limit checking my portfolio to once a quarter, and this is my 2025 Q1 update that includes our combined 401k\/403b\/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments. Following the concept of skin in the game, the following is not a recommendation, but a sharing of [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":166995,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11576,10911,3767,11575,832,5786,9162,4238],"dealstore":[],"offerexpiration":[],"class_list":["post-166994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-allocation","tag-asset","tag-blog","tag-mmb","tag-money","tag-performance","tag-portfolio","tag-update"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MMB Portfolio Asset Allocation &amp; Performance \u2013 2025 Q1 Update \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=166994\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MMB Portfolio Asset Allocation &amp; Performance \u2013 2025 Q1 Update \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"I try to limit checking my portfolio to once a quarter, and this is my 2025 Q1 update that includes our combined 401k\/403b\/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments. 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