Great topic. Mine looks a little different from the indexers. I'm semi-retired, 61, with a long-running dividend reinvestment portfolio as the foundation — 28 positions built through ComputerShare DRIP since 2004. Think PG, JNJ, KO, XOM, LMT, UNP, ABBV and similar. 31% Individual dividend stocks (ComputerShare DRIP, 28 positions, full reinvestment through 2030) 41% Broad index funds — VTSAX, VTIAX, VGSLX, VBTLX across a traditional IRA, plus SCHD building toward a target share count, and index funds in a 401K 16% Cash / money market — intentional 5-7 year expense buffer, not idle cash 10% Individual equities — energy overweight across EPD, XOM, CVX, COP, PSX, SHEL; deliberate thesis given the current macro backdrop 3% Treasury ladder — running off, maturities rolling into SCHD Account structure: ~57% deferred, ~11% Roth, ~32% taxable
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Great topic. Mine looks a little different from the indexers. I'm semi-retired, 61, with a long-running dividend reinvestment portfolio as the foundation — 28 positions built through ComputerShare DRIP since 2004. Think PG, JNJ, KO, XOM, LMT, UNP, ABBV and similar. 31% Individual dividend stocks (ComputerShare DRIP, 28 positions, full reinvestment through 2030) 41% Broad index funds — VTSAX, VTIAX, VGSLX, VBTLX across a traditional IRA, plus SCHD building toward a target share count, and index funds in a 401K 16% Cash / money market — intentional 5-7 year expense buffer, not idle cash 10% Individual equities — energy overweight across EPD, XOM, CVX, COP, PSX, SHEL; deliberate thesis given the current macro backdrop 3% Treasury ladder — running off, maturities rolling into SCHD Account structure: ~57% deferred, ~11% Roth, ~32% taxable
Post: What’s in your portfolio ?
Link to comment from June 13, 2026