My ENTIRE Investing Portfolio (2026 Big Changes)
Summary
Nolan, a financial analyst, shares his investment philosophy and portfolio breakdown, emphasizing long-term, sustainable growth over speculative day trading. He highlights his portfolio's impressive performance, with 31-33% growth in the past year and an average of 16% annually over 15 years, significantly outperforming typical hedge fund managers.
He outlines his comprehensive asset allocation:
Nolan emphasizes his continued dollar-cost averaging into core ETFs (VOO, SPMO, QQQM, SCHG) and key individual stocks (BRK.B, MSFT, and a small amount of Bitcoin), even as he perceives the current market as potentially overvalued.
Mentioned Stocks
Reasoning: Amazon (AMZN) constitutes 0.5% of Nolan's taxable brokerage. He believes in its growth potential but, like several other individual stocks, he only adds to it during dips or with extra funds, not as a regular monthly investment.
Reasoning: Meta (META) makes up 0.5% of Nolan's taxable brokerage. He believes in the position's growth potential but adds to it only opportunistically on dips or with extra money, rather than through consistent monthly contributions.
Reasoning: SoFi (SOFI) makes up 1.5% of Nolan's taxable brokerage. He believes in the position and its growth potential, adding to it only on dips or with additional discretionary funds, rather than through regular monthly contributions.
Reasoning: Palantir (PLTR) constitutes 1% of Nolan's taxable brokerage. He expresses belief in its growth potential but adds to the position only opportunistically during market dips or when he has extra funds, not as a consistent monthly investment.
Reasoning: Microsoft (MSFT) makes up 4% of Nolan's taxable brokerage, making it his second largest individual holding. He is actively dollar-cost averaging into the stock monthly, indicating strong conviction.
Reasoning: Google (GOOG) comprises 2.5% of Nolan's taxable brokerage. He believes in the position and sees a lot of room for growth. However, unlike Berkshire Hathaway and Microsoft, he does not add to it monthly but rather opportunistically during dips or with extra funds.
Reasoning: IonQ (IONQ) is a smaller position within Nolan's taxable brokerage. He explicitly states his plan to add more to it, along with Rigetti and the D-RAM ETF, but he is proceeding cautiously by 'going slow and watching the market' due to its nature as newer, high-risk technology with potential for high reward.
Reasoning: Rigetti (RGTI) is a smaller position in Nolan's taxable brokerage. He plans to add more to it, along with IonQ and the D-RAM ETF, but is taking a cautious approach by 'going slow and watching the market' given its status as newer, high-risk technology with potential for high rewards.
Reasoning: VOO represents 40% of Nolan's retirement accounts and 22% of his taxable brokerage. He describes it as 'definitely one of my favorite holdings anywhere in the portfolio' and actively dollar-cost averages into it as one of his core ETFs.
Reasoning: Nolan dedicates 85% of his crypto portfolio to Bitcoin and 2.5% of his retirement accounts, actively dollar-cost averaging a small amount into it each month. He has been invested since 2018 and, despite acknowledging its high speculative risk (potentially going to zero), believes in its increasing relevance in the near future, especially with de-dollarization trends.
Reasoning: IREN comprises 0.5% of Nolan's taxable brokerage. He believes in the position's growth potential but adds to it only opportunistically on dips or with extra money, rather than through consistent monthly contributions.
Reasoning: VGT makes up 3% of Nolan's taxable brokerage. He likes this ETF for 'pure technology' exposure and plans to continue adding to it as a specialty ETF, indicating active investment.
Reasoning: Nolan holds a smaller position in the D-RAM ETF and plans to add more to it, listing it as a 'specialty ETF' for 'memory in the world of AI' within his future investment plans. He is proceeding slowly and watching the market due to its high-risk nature.
Reasoning: APLD makes up 0.5% of Nolan's taxable brokerage. He believes in its growth prospects but only adds to it during dips or with extra funds, not as part of his regular monthly dollar-cost averaging strategy.
Reasoning: Berkshire Hathaway (BRK.B) is Nolan's largest individual stock holding at 6% of his taxable brokerage. He views it as the 'ultimate value play' given its over $400 billion in cash and a P/E ratio under 15. He dollar-cost averages into it monthly, betting on its ability to acquire distressed businesses after market crashes and thus making his portfolio safer with significant upside.
Reasoning: SCHD constitutes 28% of Nolan's retirement accounts. He states that he 'loves the fund' and continues to 'add to it very heavily in my retirement accounts.' However, due to high dividend taxes (over 30% in California) if held in a taxable brokerage, he is no longer adding to it there.
Reasoning: Nolan allocates 10% of his crypto portfolio to Ethereum. While he states his primary conviction is in Bitcoin, he acknowledges Ethereum's potential, noting 'maybe a little bit in Ethereum,' but does not mention actively adding to it.
Reasoning: QQQM constitutes 11% of Nolan's retirement accounts and 9% of his taxable brokerage. He holds it for broad growth exposure and actively dollar-cost averages into it, noting that despite overlap with SCHG, he holds both to ensure full coverage of the growth segment.
Reasoning: SCHG makes up 11% of Nolan's retirement accounts and 8% of his taxable brokerage. He holds it for broad growth, alongside QQQM, to cover non-overlapping portions and achieve his target growth allocation. He continues to dollar-cost average into it as one of his core ETFs.
Reasoning: SPMO makes up 5% of Nolan's retirement accounts and 9% of his taxable brokerage. He states he has 'been adding aggressively for that one' and continues to dollar-cost average into it as one of his core ETFs.
Reasoning: VXUS makes up 2.5% of Nolan's retirement accounts. He recently added it to his 401k/403b to gain international exposure, aiming for about 10% international allocation long-term. This diversification is intended to provide safety amidst geopolitical and de-dollarization trends.
Reasoning: VTV constitutes 6% of Nolan's taxable brokerage. It was a recent addition, and he dollar-cost averages monthly into it. He chose VTV as a tax-efficient value play in his taxable account, specifically to mitigate the high dividend taxes he faces with SCHD in California, aiming for a combined 30% value exposure with SCHD.
Reasoning: Nolan holds 2.5% of his crypto portfolio in XRP. He does not elaborate on his specific conviction or plans to add more to this position.
Reasoning: Nolan holds 2.5% of his crypto portfolio in Cardano. He does not elaborate on his specific conviction or plans to add more to this position.
Reasoning: NIBIUS makes up 0.5% of Nolan's taxable brokerage. He believes in the position's growth potential but adds to it only opportunistically on dips or with extra money, rather than through consistent monthly contributions.