Complete 2026 Investment Portfolio Analysis: Asset Allocation Across 6 Accounts
πΌ Introduction
Today, I want to share my entire investment portfolio as we head into 2026. I periodically give updates on my portfolio situation, and this time I'll show you exactly how each investment account is structured, including the breakdown by percentage of net worth.
I have 6 different parts to my portfolio:
- Real Estate Investing
- 401k/403b
- Roth IRA
- Taxable Brokerage Account
- Cryptocurrency
- Cash and Cash Equivalents
Remember that all investing carries risk, so do your own research. This is not financial advice.
π Real Estate Investing (28% of Total)
Currently, I have a rental property and my primary residence.
When tracking net worth, it's important to count only the equity you have in your real estate.
| Type | Percentage |
|---|---|
| Rental Property | 67% |
| Primary Residence | 33% |
Here's an important distinction: I don't necessarily count a primary residence as an "investment." An asset should be putting money in your pocket, but a primary residence takes money out of your pocket through mortgage payments.
A rental property is different because the tenant pays more in rent than your mortgage costs, generating positive cash flow.
2026 Goal
I want to find and buy a commercial building in 2026. I'm watching interest rates and hoping they continue to drop so the numbers make more sense.
π° 401k/403b Retirement Accounts (15% of Total)
Working at a university, I have a 403b account. Honestly, the investment choices in most 401k/403b plans are pretty badβhigh fees and most don't even beat the S&P 500.
So I keep it simple: 100% S&P 500. I've been very happy with this decision over the past 8+ years.
Solo 401k
Through my business, I also have a Solo 401k where I can choose exactly what to invest in. I follow the new three-fund portfolio strategy:
| ETF | Allocation |
|---|---|
| SCHD (Dividend Value) | 33% |
| VUO (Mid-Cap) | 33% |
| SCHG (Growth) | 33% |
Overall Retirement Account Composition
| Category | Percentage |
|---|---|
| SCHD | 12% |
| S&P 500 | 76% |
| SCHG | 12% |
The S&P 500 percentage is high because most of it comes from my university account.
π Roth IRA (6% of Total)
Since I have so much in the S&P 500 through my 401k, I decided to make the Roth a 50/50 split between growth and value.
Roth IRA Composition
Value Portion (50%)
- SCHD: 50%
Growth Portion (50%)
| ETF | Allocation |
|---|---|
| SCHG | 20% |
| QQQM | 20% |
| SPMO | 5% |
| Bitcoin ETF | 5% |
If your income exceeds the Roth IRA contribution limit, consider the backdoor Roth IRA strategyβit's a legitimate loophole!
Combined Retirement Account Summary
| Category | Percentage |
|---|---|
| Foundational | 40% |
| Value | 30% |
| Growth | 30% |
π Taxable Brokerage Account (30% of Total)
This is where I have the most positions. After maxing out my 403b, Solo 401k, and Roth IRA, remaining funds go here.
Individual Stocks (27%)
Small Positions (1-2% each) Speculative plays bought on major dips, betting on AI and data center growth:
- RCAT, INLD, Applied Digital, UNH, Meta
Medium Positions (1.5% each) High long-term conviction but not actively dollar-cost averaging:
- Apple, Palantir
Core Positions (Monthly DCA)
| Stock | Allocation |
|---|---|
| 3% | |
| SoFi | 3% |
| Microsoft | 5% |
| Berkshire Hathaway | 7% |
ETF Portion (73%)
| ETF | Allocation | Focus |
|---|---|---|
| VUO | 22% | Mid-Cap |
| SCHD | 19% | Dividend Value |
| VTV | 10% | Value |
| QQQM | 8% | Nasdaq 100 |
| SCHG | 6% | Growth |
| SPMO | 6% | Momentum |
| VGT | 2% | Technology |
I'm a boring investor with 90%+ in basic broad ETFs and index funds.
πͺ Cryptocurrency Account (10% of Total)
I like Bitcoin and dollar-cost average into it monthly.
| Cryptocurrency | Allocation |
|---|---|
| Bitcoin | 81% |
| Ethereum | 11% |
| XRP | 4% |
| Cardano | 4% |
I see big things for Bitcoin long-term but recognize it's very speculative.
π΅ Cash and Cash Equivalents (11% of Total)
I've significantly increased my cash position compared to the past.
High-Yield Savings Accounts
- Capital One 360 Savings: Family emergency fund
- Travel Account: My wife and I love to travel
SGOV (Short-Term Treasuries)
California taxes are brutal. SGOV provides 4-5% returns without state taxesβa huge benefit at my income level.
Cash Reserve Purposes
- Funds for commercial building purchase in 2026
- Dry powder for buying dips if the market corrects
I always recommend keeping 3-6 months of living expenses outside the stock market. You don't want to sell stocks at a loss if you lose your job.
π Complete Portfolio Summary
| Category | Allocation |
|---|---|
| Taxable Brokerage | 30% |
| Real Estate | 28% |
| 401k/403b | 15% |
| Cash/Equivalents | 11% |
| Cryptocurrency | 10% |
| Roth IRA | 6% |
π― Conclusion
I pursue tax efficiency and risk management through diversification across various asset classes. The key is finding the right balance for your personal situation.
When building your own portfolio, make sure to leverage each account's characteristics and tax benefits! π
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