As retirement gets closer, I’m making thoughtful adjustments to my portfolio, not because I expect less from the market, but because my objectives are evolving. With retirement now about two years away, my focus is shifting from simply maximizing returns to building a portfolio that can provide reliable income, preserve capital, and continue growing over the long term. What I like most about this allocation is the clear separation between Core and Booster investments, as well as between Income and Growth. It keeps the portfolio diversified, makes rebalancing straightforward, and ensures each category has a specific role. Current Allocation (Wealthica Screen shot) * Income Core: 37.6% (Target: 35%) * Growth Core (ETFs): 34.1% (Target: 35%) * Income Booster: 12.1% (Target: 10%) * Growth Booster (Individual Stocks): 9.3% (Target: 15%) * Crypto: 6.9% (Target: 5%) Nearly 72% of the portfolio is invested in the Core, providing a solid foundation of diversified growth and dependable income. The remaining allocation is dedicated to higher-conviction opportunities and alternative assets that have the potential to enhance long-term returns without significantly increasing overall portfolio risk. My objective over the next two years is to gradually rebalance toward these target weights by trimming positions that become overweight and adding to areas that offer the best long-term value. This disciplined approach should help create a portfolio that can support retirement while continuing to compound wealth for decades to come. Retirement isn’t about stopping growth, it’s about having the confidence that your investments can fund your lifestyle while still working for you. A portfolio should evolve as your life evolves, and this allocation reflects my transition toward long-term financial independence
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3 Comments
Daniel Fereira@dfereira · 20d
Thanks Heath 🤞🤞🤞
Heath @incomewealthinvestor · 20d
Looking forward to another retire team member. You got this! 👏👏👏in advance!!!
Eze @eze1234 · 20d
All the best with this journey
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