$3M portfolio - how to balance long term growth and preservation during downturn
Mid-30s. SINK. Portfolio just crossed $3M with ~50% in VOO, 30% VGT, and 20% individual tech stocks (Nvidia, Microsoft, Google). Also has a rental property I’m hoping to sell this year that would net about 150k cash.
I’m really hoping to FIRE by 40, and maybe take on the family business. How should I think about rebalancing or proofing my portfolio so that it maintains growth but also can also preserve during a period of downturn?
I was thinking maybe keep the 150k cash proceed in SGOV, and slowly get my portfolio to 70% VOO and 30% VGT.
Posted Aug 13, 2026, 4:08 PM UTC
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