My ENTIRE Investing Portfolio (2026 Big Changes)

My pure equities portfolio over the last 12 months has earned between 31 and 33%. I had some sells into charitable giving and so that complicated the returns just a little bit, but overall I'm very happy with that growth. Now, I know there's going to be some keyboard warriors out there down in the comment section that say that you got that in one day or you got that in a month, and guess what? Good for you. I'm actually very happy that you did that, but what I hope that you move that money into some solid sustainable ETFs that can continue to grow. According to FINRA, only 13% of day traders or stock pickers maintain consistent profitability over 6 months, and a mere 1% succeed over 5 years. 72% of day traders ended the year with financial losses. Day traders using margin for leverage suffer an average return of -4.53%. On average, even professional hedge fund managers barely get 7 to 9% per year. Now, on average over the last 15 years, my portfolio has gotten an average of 16% growth per year. And it doesn't take me looking at screens for hours, watching candles, and watching different charts just to see if things are going to move, and buying and selling, and having tax inefficiencies. $100,000 invested getting 8% per year after 15 years is $317,216. $100,000 invested getting 16% per year after 15 years is $926,552. Huge difference. Now, in this video, I'm going to give you insight into my entire investing portfolio, and then after that, I'll explain how I'm changing some things for the second half of 2026 and into 2027. To start, here's a full snapshot at the entire portfolio. I have 7% in cash and cash equivalents, 25% in real estate, 18% in my 401k and 403b, 9% in my Roth IRA, 9% in crypto, and 32% in a taxable brokerage. Within my equities portfolio overall, I do practice exactly what I preach here on the channel, and my overall equities equate to 37% growth, 36% foundational, and 27% value. The side note here is that my portfolio was much closer to about a third, a third, a third at the end of last year, but there's been some heavy growth in a couple main positions that I'll go over more fully when I break it all down. My name's Nolan Gouveia, my students call me Professor G, and I made this channel to make investing simplified. Remember that all investing carries risk, so do your own research. This is not financial advice, and I'm not a financial advisor. Now, I'm going to be going over my entire portfolio, and if you want to do a portfolio review, or just have a one-on-one session with me, the link is down below in the description, and you can click there more, and to get on my calendar. So, let's start with my most speculative, and also most simple position, which is crypto. Overall, you know that in general, I'm just a very safe investor, with most of my investing going towards very safe, solid, sustainable ETFs. But, I'm also an entrepreneur who's started and scaled 10 businesses, and so I do like to take calculated risk. While I agree at this point in time, most crypto, like 99.9% of crypto out there, has no real actual value, and definitely no utility at this point. I do believe though that the infrastructure is being built by companies, by governments, by countries, and I think macroeconomically, we're seeing more and more of a use case as to why crypto, and specifically Bitcoin, may be something very, very relevant in the very near future. With things happening, especially like the de-dollarization, and a lot of other countries wanting to move away from the dollar standard, they may want to go with something that's decentralized and that has value just because we all kind of say it has value, and that would be Bitcoin. I've been in the crypto world since 2018 and I have read everything there is to read on Bitcoin specifically. And I've also done crazy amount of research into certain specific crypto projects. And at this point, I really only believe in Bitcoin, maybe a little bit in Ethereum. But as far as my holdings, my crypto portfolio looks like this: 85% Bitcoin, 10% Ethereum, 2.5% XRP, and 2.5% Cardano. At the end of the video, I'll explain all the different things that I'm still adding to, but for now, that's my portfolio here. Now, let's move on to real estate. While I do believe that REITs, real estate investment trusts, are very good option, and a lot of my clients actually use them for diversification in their portfolio, I personally like actual physical real estate and I have rental properties. The equity in my homes equates to about 25% of my entire portfolio, so I'm good with that exposure there. Now, owning rental properties is not for the faint of heart, and it's definitely not as easy as YouTubers or bloggers make it seem. But there is also very real wealth to be made and nice tax benefits as well. With inflation coming to rise, I do believe that holding real assets is going to be a very smart move. And so, while I'm not really adding too much to my real estate portfolio, especially right now with the rates being higher than I'd like them to be and the numbers just don't work out, I am happy that I do have a couple of properties that are building my equity as we speak. Next is retirement. Remember from my entire portfolio snapshot that I have about 9% of my portfolio in my Roth and 18% in my 403b/401k. Now, if I could add more to the Roth, I definitely would be doing so. But since there's a limit on that of about $7,500 that I can put in per year, right now I just do the backdoor Roth IRA process, and then I'm adding to my company or my university's 403b, and then my personal business solo 401k. Now, I guess I could be adding to a Roth 403b or a Roth 401k, but I live here in California, my taxes already through the roof, and so anything that I can do to pull down my taxes today is a very smart move. The fact that I am adding to the backdoor Roth, I'm at least building up my Roth at that time. Later on down the road when my income drops substantially, I do plan to do some Roth conversions at that point. So, now I look at all my retirement accounts together as one big group, and so between all of them, my breakdown is as follows: S&P 500, 40%; SCHD, 28%; SCHG, 11%; QQQM 11%; SPMO, 5%; Bitcoin, 2.5%; and then VXUS at 2.5%. The most recent change was to add in just a little bit of international exposure specifically to my 401k and 403b. I still want the vast amount of my growth coming from US companies that are high in growth, and we have the best strongest companies here for that specifically. But, a small piece of the portfolio can be cut out for a little bit of international exposure. It gives me exposure to other companies that are outside of the United States, and with that whole dollarization thing that I was talking about and all the things happening politically and geopolitically, macroeconomics, all of those types of things with the dollarization, all of that just leads me to believe that you're just going to get a little bit more safety by at least having a portion of the portfolio outside of the United States, but the vast majority of what I'm investing in is the United States. I do believe in it long-term. The next one on this list is the one that has the most holdings by far, and it's definitely changed up a bit since the last time I did a portfolio review here on YouTube. I also have some new changes that I'll be adding even on top of this at the end of 2026, possibly in 2027, but I'll get to that by the end of this video. Okay, so taxable brokerage, this is definitely the one that I add to the most obviously because there is no cap. I already max out my 401k or 403b and my Roth IRA through the backdoor Roth. So for this section, I'm going to introduce each of my holdings by the largest all the way down to the smallest. My largest holding in the taxable brokerage might shock some of you, but for those of you that have been with me for quite some time, it's probably comes at no surprise and this is SCHD and that's at 23%. This actually used to be more like 33% of the fund, but I started adding to another ETF for value because I looked deeper into the taxes. In most other states, the tax on SCHD is negligible. You're looking at something like 15% for long-term capital gains tax on the dividend. Since the dividend is still pretty small, 15% on that, it's not really going to make or break you. Unfortunately, in California, where I am, I have to pay the 15% tax for long-term capital gains plus 3.8% net investment income tax plus California state doesn't recognize dividends as qualified. They tax them as ordinary, so that's another 11 to 12%. My taxes on this thing's over 30%. While I love the fund and I do keep adding to it very heavily in my retirement accounts, for my taxable brokerage, it just isn't smart to keep adding to that one specifically. Unless I actually go ahead and move states, which is looking more and more probable. All that to say, make sure you do your own research based on your own state because there is different taxes and different rules state to state. The next biggest position in my brokerage account is VOO, the S&P 500 at 22%. It's definitely one of my favorite holdings anywhere in the portfolio. Next is SPMO at 9% and I've been adding aggressively for that one. Next is QQQM at 9% for broad growth and SCHG at 8% for broad growth as well. Another side note here, many people ask, "Why do I invest in QQQM and SCHG together? There's so much overlap." And that's true, there is a lot of fund overlap there. For me, I like the part that isn't overlap though. There is an overlap of like 60 or 70% but even that amount, that amount that isn't being covered by one of them, I like making sure to have all of that. And so, in my mind, I was going to have about 20% or so just in the broad growth portion. And so, instead of just picking one of them at around 20%, I picked two and made them about 50/50. Remember, this is your portfolio, build it out how you see fit and whatever your goals are specifically. Next in the portfolio is VTV at 6%. This was added recently and I dollar cost average monthly here versus SCHD here because of the tax reasons from before. Together, I have SCHD at 23% and VTV at 6% because I wanted to have around 30% value for a balanced portfolio here. The smallest holding as far as ETF is VGT at 3%. I like that one a lot for pure technology. All right, now in the taxable brokerage at this point in time, I do have way more individual stocks than I ever have in history. Still though, all together, my taxable brokerage is 80% ETF and 20% individual stock. My largest individual stock holding is Berkshire Hathaway, BRK.B, and it makes up 6% of the brokerage. Side note on this one too, right now with over $400 billion sitting off to the side and a price-to-earnings ratio under 15, I view this stock as the ultimate value play. And it makes my portfolio even safer, it takes the risk down with the whole bunch of upside. Like as soon as Berkshire Hathaway decides to use some of that money, or the vast majority of that money, that will have been after we've seen crazy stock market crash, or at least a bunch of businesses that have been distressed and are worth pennies on the dollar. That's when Berkshire likes to come in, gobble them up, and then build them back up to what they used to do. And so, I'm just making a bet that my money's going to do better being invested in Berkshire Hathaway where they can go and do that. And so, I'm very happy adding to that even right now during all this uncertainty. I'm dollar cost averaging every single month into that stock and into one other stock. And that other stock is the other biggest holding in my portfolio. And that one would be Microsoft at 4%. Then, my next largest holding is Google at 2.5%. Then, SoFi at 1.5%, Palantir at 1%, APLD at 0.5%, IREN at 0.5%, NIBIUS at 0.5%, Amazon 0.5, and Meta 0.5%. I believe in each one of those positions, and I do think a lot of those have a lot of room to grow. But other than Berkshire Hathaway and Microsoft, I'm not adding more to those each and every month no matter what. If they dip, or if I get a little extra money, and I'm just want to throw it into a couple of those, that's how I do it. But dollar cost average, I'm only going into Berkshire and Microsoft at this point. With the remaining 2.5% of the portfolio, I hold much smaller positions of each of these. Of these, I do plan to add more to IonQ, Rigetti, and D-RAM, which is an ETF. But I'm going slow and watching the market since this is newer technology and very high risk with very high possible reward. Now, the last portion of this portfolio is cash and cash equivalents. Then after this, I'm going to explain exactly what I'm going to be doing moving forward with the portfolio. So, cash is about 7% of my portfolio right now. This is definitely debatable, but I believe that cash that is in an emergency fund should be over and above outside of what you're considering in your investable portfolio. When I talk about my portfolio, I'm talking about money invested or money that can be invested. So, when I'm talking about the cash or cash equivalents that are in there, my goal is to eventually get that cash invested in some way, whether that be into real estate down the road, more stocks and ETFs, possibly a new business venture, whatever that may be. So, my emergency fund is totally outside of what I'm talking about here. Now, for this slice, I usually aim for probably around 5% all the way down to 0% because if I allocate it towards something, that just means that there was some good deals, and then I have a new venture or something that I can put that money into that I think is going to do much better than just earning like the 3.5% interest that's sitting there. For now, I hold it in SGOV, which is 1 to 3-month T-bills. And again, this is over and above my emergency fund that I hold in a high-yield savings account. All right, so moving forward, what is my investing going to look like? And remember, if you want to meet with me to do a portfolio review, to talk about your strategy, to figure out what might be best for you based off of your specific goals, it'd be a very good idea because I'm not going to take a percentage of your portfolio like some financial advisor would. I'm just going to be an extra set of eyes and just give you an idea of what I would do if I was in that position. The link's down below, it'll give you a lot more information, so you can read through and see what might be best for you, and then you can get on my calendar and we can jump on a Zoom. But for me and my portfolio moving forward, as I said before, I'm not adding to my SCHD in the brokerage, but rather adding more to both VTV and Berkshire Hathaway. Since I see both as solid value plays with little or no dividend, so I don't get taxed extra. I'm still going to be very heavy in the broad basic ETFs I always talk about like VOO, SPMO, QQQM, SCHG, and then also adding to a couple specialty ETFs like VGT for technology and DRAM for memory in the world of AI. I'm also adding more to international in the retirement accounts, but nothing crazy. I think ultimately 10% in international long-term is plenty. I also dollar cost average very small amount into Bitcoin each and every month because like I said, I do think that that could be something down the road. We'll see. I will say that out of everything that I invest in, I do believe that Bitcoin definitely still is the most speculative. Anything in the crypto world still to me could absolutely go to zero one day. So only invest in it if you really feel the conviction, if you've done enough homework and it makes sense to you and your portfolio. Still to me after doing hundreds of hours of research, I still only have it as a portion of my portfolio. Like I said before, right now I do believe that the market seems quite high. It almost feels like we're all being propped up on this house of cards and at any moment it could drop. But I'm still dollar cost averaging like normal into those core ETFs and those couple of core positions like Berkshire Hathaway and Microsoft, very small amount of Bitcoin. Until the end of this year though, I am going to be adding to my cash pile a little bit. The cash pile that's within the portfolio that's there for specifically dip buying. I think once I get it to about 10% of the portfolio, that's as high as I'll go. But since I do think that there's definitely a possibility that we see a big enough crash by the end of this year, I'd like to have some cash ready. And if we don't see a crash by the end of this year in 2027, I'll probably take most of that, at least half of it, and I'll just allocate it a little bit heavier into the positions I already have. To learn more about my core portfolio that's done so well consistently over the last 15 years, here's the best video on the most simple portfolio out there. Or watch this one that I just made earlier this week, and remember to keep investing simplified.