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My 31-Stock $379k Retirement Portfolio Has A September Swoon

Trent Welsh profile picture
Trent Welsh


  • My portfolio, built specifically for my retirement ~20+ years from now, rides the September downturn in the market back under $400k.
  • Making monthly contributions, even though they seem small at the time, makes all the difference in the world over time in helping create a valuable retirement egg.
  • A portfolio built for individual investors to outperform the majority of money managers through diversity and risk with the goal to be worth millions in retirement decades from now.

Red mug with apples

Anntua/iStock via Getty Images

It is my firm belief that 80% of money managers can't outperform the S&P 500 index over time due primarily to the fees they charge their clients. Each and every individual person intent on having the happiest retirement

This article was written by

Trent Welsh profile picture
B.S. Psychology University of Missouri-Columbia MBA University of Missouri-Columbia Full time investor looking to capitalize on market overreactions and looking for value where others see nothing but wreckage. Long term buys and short term trades to build wealth.Investing Better Than A Money Manager: The Rise Of Retail Investing - By Trent WelshI have an investing book with the title above on Amazon written for beginning retail investors looking to set up a self-directed portfolio with their IRA's, 401k's, or other retirement or trading accounts. It details how to pick and choose stocks amidst the different sectors and how to figure out how much in each sector an investor should have to help achieve diversification.Please take a look at it and let me know your thoughts. Thanks and Best of luck to all :).

Analyst’s Disclosure: I/we have a beneficial long position in the shares of GIS, PG, PEP, PBR, HAL, GBTC, FOA, HSBC, ARWR, SNDL, PFE, MDT, SMMT, LLY, J, GSL, PCT, CLF, NEE, DUK, AAPL, QCOM, DELL, RBLX, DIS, GOOGL, WWE, TSCO, ABNB, MELI, AMT either through stock ownership, options, or other derivatives. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Comments (15)

Even with a 20 year timeframe, too many boom or bust selections for my liking: crypto, high risk early stage pharmaceuticals, cannabis.. SPACs.. you have to prepare for many of these not being around in 20 years vs a few multi baggers. Not for the feint of heart.
Trent Welsh profile picture
@battered I'm not here to skate comfortably into retirement with a few hundred thousand dollars in my account. I already have that built up from ground 0. I'm looking for ideally $7mil plus, but at least a few mil hopefully in time for early retirement. This means taking risks and boom and bust selections which I am fine with. The worse I do the longer I work but I'd prefer to spend it cruising the Mediterranean on a yacht. Can't do that owning utilities and bonds as I don't have a rich uncle to leave me millions when they pass unfortunately. Best of luck :).
Tudor Invest Holdings profile picture
@Trent Welsh

On HSBC. What matters most is what they do in Asia. That is where 64% of their net profit in FH2021 came from. Europe generated just 18%.

There are a few good picks in Hong Kong for value investors. Just make sure you find a company that is doing the opposite of what Evergrande is doing. Find some (and there are many) that has very little or no debt. Good luck
Trent Welsh profile picture
@Tudor Invest Holdings Nod, $HSBC is a legacy holding for me that I am not sure will be around much longer. Asia is the key to the stock for sure but Brexit always seemed like the main headlines for the stock at least until Covid showed up. Its days are numbered I'm thinking so we will see.
for sndl did u forget the arm. ie their banking businesswith sunstream.
Trent Welsh profile picture
@clyiv5673 Yea, don't think too much about this stock and its different business units etc. Its mostly a small position jackpot meme stock for me and not a long-term hold. I like that it fixed its balance sheet and I like the moves its making in the M&A market due to all the money it raised from the meme craze but I'm keeping it a tiny position with no intent of growing it much besides a few shares possibly here and there. Easy in and out on this one for me.
Former_User profile picture
Interesting. Being a retired guy already I have different goals but like many of your picks. I do question a couple though: AMT, too expensive among REITs where there are many excellent less expensive choices without the technology challenge of low orbit satellites. Another would be PBR -- why not buy a high quality American major integrated rather than a corrupt foreigner?

MELI is a must have for long term holdings, something I bought for the grandkids.
Best of luck!
Trent Welsh profile picture
@911Slade $AMT I've owned for forever and made a ton of money off of. No reason to sell as other satellite technologies still don't worry me overly much as I have worried about those in past years and researched them but it has never been enough to make me sell it.

$PBR I'm going for the massive upside and reaping the fruits of a massive dividend. As long as it continues to aggressively pay off debt I'm staying in as its value will only increase as it rightsizes its balance sheet even though it is in crazy South America. I've owned the more stable majors in years past but now is $PBR's time especially with that dividend and energy potentially going bananas in the coming months.
AAA Investments - PayONLY4Performance profile picture

Then why comment…what is the value of your ‘contribution’?? 🤷‍♂️

You can do better…
RedRock Asset Management GmbH profile picture
just out of curiosity (I guess you have already answered the same question 1 billion times...): how long does it take, on average, to manage such a portfolio? You can choose the time-frame you like: week, month,....
@Saviolino HeHe...yeah, a LOT of stocks!
Trent Welsh profile picture
@Saviolino Most of the time is spent around earnings season when conference calls and transcripts come out. Many stocks don't need much research like Apple for example. Don't really need to study up on that. And Bitcoin as I have already been sold on it. It can drop in half or double up and I'm not making any moves because I have already committed to it and made my peace with it even if it tanks hard over the next 5 years. Win some lose some. For biotech companies, which are some of my favorites, usually they have data releases once or twice a year primarily for their lead candidates so as long as you are comfortable with the direction they are taking you can step back from the day to day numbers and the quarterly results and spending which don't really change much or matter much compared to the data. Other sectors like utilities I just aim for best of breed and they take care of themselves. I'll keep my eyes open for any other up and comers but mostly riding the coattails of proven entities works just fine over the years. That leaves me time to obsess over specific stocks like GSL Global ship lease and containerships stock and watching shipping costs to try and be ready to exit at any moment or Cliffs and iron ore production considering China and infrastructure bills here at home. Then I spend time on marking stocks for sale and redistribution when their times comes to an end like Global Ship Lease. Plan what I want to move into at any moment and a list of those I'm willing to drop at the drop of a hat like utility stocks. Its a labor of love so it is not a big deal to me to think about this stuff regularly.
RedRock Asset Management GmbH profile picture
@Trent Welsh thanks for taking time to answer. very appreciated
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