My investment portfolio comprises Vanguard index funds, and I hold a strong preference for them due to their attractive feature of a low expense ratio (ER). My financial objective is twofold: to augment my dividend income stream and nurture long-term capital growth.

My investment strategy is fundamentally rooted in the acknowledgment that I possess limited knowledge about the intricacies of the financial market. Given the inherent risks associated with investing, I am inclined to err on the side of caution and avoid introducing additional risk factors by engaging in the selection of individual stocks.

Creating a diversified investment portfolio is a key strategy for managing risk and pursuing long-term financial goals. A portfolio that incorporates a mix of different asset classes and investment styles can help achieve this balance. Here's a breakdown of my portfolio containing VTSAX, VTIAX, VEMAX, VHYAX, VIGAX, VVIAX, VWELX, VBILX, and VGSLX:

VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares): This fund provides broad exposure to the entire U.S. stock market, encompassing large, mid, small-cap, and growth and value stocks. It's a core holding for domestic equity diversification.

VTIAX (Vanguard Total International Stock Index Fund Admiral Shares): VTIAX complements VTSAX by offering exposure to international stocks, helping to spread risk across global markets.

VEMAX (Vanguard Emerging Markets Stock Index Fund Admiral Shares): VEMAX adds a layer of diversification by including emerging market stocks, which can provide growth opportunities but also come with increased volatility.

VHYAX (Vanguard High Dividend Yield Index Fund Admiral Shares): VHYAX focuses on high-dividend-paying stocks, providing income potential while diversifying away from growth-oriented investments.

VIGAX (Vanguard Growth Index Fund Admiral Shares): VIGAX concentrates on growth-oriented stocks, aiming to capture the potential for higher capital appreciation.

VVIAX (Vanguard Value Index Fund Admiral Shares): VVIAX focuses on value stocks, which are often considered undervalued by the market, potentially offering stability and income.

VWELX (Vanguard Wellington Fund): VWELX is a balanced fund that includes both stocks and bonds. It offers stability through bond holdings while participating in equity market gains.

VBILX (Vanguard Intermediate-Term Bond Index Fund Admiral Shares): VBILX provides exposure to intermediate-term bonds, serving as a stabilizing force in the portfolio.

VGSLX (Vanguard Real Estate Index Fund Admiral Shares): VGSLX invests in real estate investment trusts (REITs), adding diversification and income potential through real estate holdings.

This portfolio is designed to balance risk and return across various asset classes, accommodating different investment styles, and providing potential for long-term growth.


  1. Nice and simple. You can probably get the same blend if you go with one of their target date funds. We seem to be in the same age range, so VTIVX (target date 2045 fund) might be something you might want to look into. All the best.

    1. I agree. The problem with target is it has a position in international bonds. I would rather have exposure to international equities.

  2. Nice set of stocks. What i really like is the diversification and you have invested in low cost ETF's. Keep up the good work.

    If you are interested what i have in my portfolio. You can find it here: www.freedomsearcher.com


  3. Noticed you shared my recent HD post so I thought I would drop you a line.

    Looked at your goals.

    Generate $750.00 in forward dividends, $200.00 in dividends in a single quarter, and 4,160 vitality points ($41.60). Have you assigned specific dates by which time you want to achieve your goals given that goals must be specific and measurable.

    $750 in dividends in what types of investments? You and I know that you can hold garbage with super high dividend yields which will get you a whole lot closer to your target than holding shares in good quality companies with low dividend yields. The problem with that strategy is that you take on undue risk.

    What are vitality points?


    1. Hello Charles, thanks for swinging by. I have not assigned any dates yet. The goal is to be semi FI in 2032.

      Of course I am not chasing high yield stocks. In fact I am not chasing individual stocks at all. 90% of my investments are in low cost vanguard index ETFs/Funds. It is my risk mitigation strategy.

      Finally, check out https://www.powerofvitality.com. I get some points for my gym visits. I think of it as a side hustle which generates money and keeps me fit.

  4. That is a nice collection of stocks. I see that you invest in mutual funds more than I do but it seems to be paying off for you nicely. I look forward to seeing your portfolio compound even larger. Thanks for sharing DG!

  5. Question for you geek: I'm also a fan of Wellington. My question is, as you count your dividends are you also counting long-term and short-term cap gains as usually paid in December? Those seem rather unpredictable, but they are distributions. So... anyway, no wrong or right answer, I'm just wondering. Thanks. Cheers.