r/investing•
Dink-Floyd

Asking for Feedback: $100K Investment Strategy - Growth Focus with Dry Powder for Corrections

I recently sold some real estate (investment property) and now have $100,000 in cash ready to be deployed. I'm looking for feedback on a 4-fund strategy I've put together, with an eye on the current macroeconomic conditions (inflation, interest rates, potential recession, etc.).

My Goal & Horizon:

A 70/30 stocks and bonds portfolio.

My primary goal is heavy growth exposure now, with a conservative sleeve to capitalize on future dips.

This is a long-term investment (10+years), but I want to rebalance and keep funding this account.

I want to maintain a level of liquidity/optionality to potentially take profits or deploy capital into other opportunities (like a down payment on another investment property) in the coming years.

I'm willing to ride out market volatility, but I want to have some "dry powder" ready to deploy into stocks if we see a significant market correction in the next 3-5 years.

The Proposed $100K Portfolio Allocation:

U.S. Stocks (VTI) ~ 45% International Stocks (VXUS) ~ 25% Bonds (BIV) ~ 20% TIPS (SPIP) ~ 10%

My Questions for the Community:

Bond/TIPS Choice: Given the macroeconomic environment, is an Intermediate-Term Bond Fund (BIV) the right choice, or should I be looking at a Short-Term Bond Fund (BSV/VGSH) to minimize interest rate risk further?

TIPS Allocation: Is 10% in TIPS sufficient for inflation protection, or would you recommend shifting some of the BIV allocation to TIPS, or even removing TIPS?

Tax Considerations: This will be in a taxable brokerage account. Are there any major tax inefficiencies with this specific selection of ETFs that I should be aware of?

Help me pressure-test this strategy, criticism, or alternative suggestions are highly welcome!

Posted Nov 1, 2025, 1:12 PM UTC

29
Loading comments…