03 · Long-term portfolio
A written allocation, held to its ranges
Percentages only. No account values, share counts or cost basis are published. Synced automatically from my portfolio tracker, last updated Oct 14, 2026.
Holdings
8
4 ETFs · 4 individual stocks
Within target range
8 / 8
As of October 14, 2026
Largest drift from target
+1.67%
MSFT: target 8%, range 6–10%
Return since purchase
+6.0% (gain)
Whole portfolio, taxable + Roth IRA
Allocation
Where the portfolio sits today
Combined taxable + Roth IRA.
- Broad-market index ETFs59.9%
VOO · VXUS · VXF
- Dividend & quality ETF14.9%
SCHD
- Individual stocks25.2%
MSFT · BRK.B · LLY · RTX
View data tableHide data table
| Group | Weight | Holdings |
|---|---|---|
| Broad-market index ETFs | 59.91% | VOO, VXUS, VXF |
| Dividend & quality ETF | 14.89% | SCHD |
| Individual stocks | 25.20% | MSFT, BRK.B, LLY, RTX |
View data tableHide data table
| Ticker | Target | Current | Drift |
|---|---|---|---|
| VOO | 43% | 42.91% | −0.09% |
| SCHD | 15% | 14.89% | −0.11% |
| VXUS | 10% | 9.44% | −0.56% |
| VXF | 8% | 7.56% | −0.44% |
| MSFT | 8% | 9.67% | +1.67% |
| BRK.B | 7% | 6.99% | −0.01% |
| LLY | 5% | 4.90% | −0.10% |
| RTX | 4% | 3.64% | −0.36% |
Each holding's target (tick), allowed range (band) and current weight (dot).
- VOO404642.91%within range
- SCHD131814.89%within range
- VXUS8129.44%within range
- VXF6107.56%within range
- MSFT6109.67%within range
- BRK.B596.99%within range
- LLY474.90%within range
- RTX363.64%within range
Current returns
How each holding has done since I bought it
Taxable account and Roth IRA combined, weighted by cost. Percent only; no dollar amounts are published.
Whole portfolio
+6.0% (gain)
since purchase
View data tableHide data table
| Ticker | Return since purchase |
|---|---|
| MSFT | +27.88% |
| LLY | +6.49% |
| VOO | +5.67% |
| BRK.B | +5.66% |
| SCHD | +4.35% |
| VXF | +0.07% |
| VXUS | -0.25% |
| RTX | -0.97% |
Performance
Performance vs. the benchmark
Time-weighted from daily holdings: each day's return uses the weights held at the start of the day, so deposits never count as performance. Price return; dividends excluded. Indexed to $100 so it can be compared without revealing portfolio size.
Performance history begins Oct 14, 2026
The line starts from the first synced day and extends with each daily sync. No earlier history is estimated.
Share of total long-term assets held in each account.
- Taxable93.3%
- Roth IRA6.8%
Percentage points each holding added to (or took from) the portfolio's return over the measured period.
Available with performance history
Contribution uses the same daily holdings data as the chart beside it.
Holdings
Why each position is there
VOO
43% target
Vanguard S&P 500 ETF
Core U.S. equity exposure
Diversified large-cap U.S. exposure and the primary core holding.
Range 40–46% · now 42.91%
Since purchase+5.7% (gain)
SCHD
15% target
Schwab U.S. Dividend Equity ETF
Dividend / quality / value tilt
Exposure to profitable, dividend-paying companies, with factor characteristics that complement the core index.
Range 13–18% · now 14.89%
Since purchase+4.3% (gain)
VXUS
10% target
Vanguard Total International Stock ETF
International diversification
Diversification beyond the United States.
Range 8–12% · now 9.44%
Since purchase−0.3% (loss)
VXF
8% target
Vanguard Extended Market ETF
Extended U.S. market
U.S. companies outside the S&P 500, adding mid- and smaller-cap exposure.
Range 6–10% · now 7.56%
Since purchase+0.1% (gain)
MSFT
8% target
Microsoft
Individual quality / growth conviction
An individual conviction position in a quality / growth business.
- Cloud
- Recurring enterprise software
- Cash generation
- AI exposure
Range 6–10% · now 9.67%
Since purchase+27.9% (gain)
BRK.B
7% target
Berkshire Hathaway
Diversified quality / capital allocation
Diversified operating businesses, insurance and an investment portfolio, with capital allocation at the center.
- Diversified operating businesses
- Insurance
- Investment portfolio
- Capital allocation
Range 5–9% · now 6.99%
Since purchase+5.7% (gain)
LLY
5% target
Eli Lilly
Healthcare growth exposure
Targeted exposure to healthcare growth.
Range 4–7% · now 4.90%
Since purchase+6.5% (gain)
RTX
4% target
RTX
Aerospace & defense exposure
Targeted exposure to aerospace and defense.
Range 3–6% · now 3.64%
Since purchase−1.0% (loss)
How I got here
From picking stocks to deciding the portfolio first
Before this framework, I invested mostly through individual positions, some of them speculative. That period produced meaningful winners and meaningful losers, and it's the starting point for the approach I use now.
The shift was from picking positions one at a time to deciding the portfolio first: a broad-market core, explicit target weights, allowed ranges, and a written reason for anything held individually.