Revealing My ENTIRE Investing Portfolio 2026 (Full Breakdown!)

I promised you about a week ago that I would share my portfolio, and so here's an update. Periodically, I like to give you an inside scoop of what's going on in my portfolio. In this video, I'm gonna explain exactly what each of my investing accounts looks like, how it's set up, and even the percentage of my net worth breakdown so you can see the entire full picture. I have six different parts of this entire portfolio. These are real estate investing, my 401k slash 403b, the Roth IRA, a taxable brokerage, crypto, and then cash equivalents. Let's get right to it. My name's Nolan Govea, my students call me Professor G, and I made this channel to make investing simplified. Remember that all investing carries risks, so do your own research. This is not financial advice, and I'm not a financial advisor. So I'm excited to show you what my portfolio looks like heading into 2026. I'll also explain how I plan to invest in 2026 to add to this near the end of the video. Okay, so getting right to the portfolio, the first one that I'm going to explain is going to be real estate investing. And as of right now, I have a rental property and I have my primary residence. When doing a net worth tracker, I do think it's important to look at specifically just the equity that you have within any of the real estate. So for this one so far, I'm about 67% rental and 33% from the primary home. The disclaimer on this is that I still don't necessarily count someone's primary residence as an investment. I mean, I guess it is an investment per se, but it's not necessarily an asset because I look at an asset as something that's putting money in your pocket. And when you have your primary residence, you're technically taking money out of your pocket and paying for that mortgage. A rental property is different because hopefully the person that's renting from you is paying more in rent than you're paying in the mortgage, and so that's putting money in your pocket. For this section right here, I'm just talking about the equity that I own in these houses. One of the big investments that I want to do in 2026, and I'll talk about it a little bit later as well, is I do want to find and buy a commercial building. I'm definitely interested in watching the rates continue to drop, and hopefully over the next year, the rates drop more, and that's going to make it so that the numbers make a little more sense. But we'll see what happens there. Next is the 401k slash 403b. For my university, it's a 403b, and I don't know about you, but the choices that I have within that account, and most of the choices that I've seen you have in your 401ks when I do my private one-on-one consulting, those selection choices are pretty bad. They all have crazy fees, and most of the choices don't even necessarily beat the S&P 500, so I've made my account incredibly simple there. For that account, I just select 100% S&P 500, and I'm very happy with that decision over the past eight or so years as a professor. I do also have a solo 401k that I have through this business here, and as a financial coach one-on-one with clients. For that, I do get to choose exactly what I want to invest in, and for that, I made it very simple as well, going 33% SCHD, 33% VU, and 33% SCHG to stick to my original investing thesis, which is the new three-fund portfolio, and that's been crushing it as well. All in all, in this section, which is my retirement account specifically, 401k, 403b, this comes out to 12% SCHD, 76% S&P 500, and 12% SCHG. I just started the solo 401k about a year or so ago, which is why the S&P 500 is so high right now, because most of that is coming from my university account. I only do these types of videos showing my entire portfolio about once per year, but if you join the private Patreon group, I update you much more frequently, and at any time that I think about buying a new stock or ETF, I write a blog out to the group ahead of time so they get the real-time movements in the portfolio. We also have a live Zoom every two weeks where everyone can ask questions and learn from each other as I give exclusive updates. Join us at the exclusive Patreon group link down below in the description, and it's only $25 per month, but my next retirement account is the Roth IRA. I've been adding to the backdoor Roth IRA for a couple of years now. I made a video on that, so if you make more money than the limit says you can to add to a Roth IRA, this is how you get around that with a great loophole, and I break it down step-by-step there. I'll link the video down below so that you can watch it afterwards, but anyway, since I have so much in the S&P 500 for my 401k, I decided to make the Roth basically a 50-50 split of growth and value. So for the 50% in value, I go fully SCHD. For the growth portion in the Roth, I have 20% SCHG, 20% QQQM, 5% SPMO, and 5% the Bitcoin ETF. So when we put everything together for all of my retirement accounts in general, it comes out to 40% in the foundational section, 30% in value, and 30% in growth. So now over to the fun one, the taxable brokerage account, and this is the one that's grown like crazy for me basically because this is the one that I can get the most amount of money into. After I max out my 403b and my solo 401k and my Roth IRA, now I can just put all this money into there, and that's what I've been doing over the past couple of years. In this account, I do have the most actual positions, and this one, it's a little bit less investing simplified as there are a couple of individual stocks in there and there's more ETFs than just the traditional three. I'm gonna break it all down fully, starting with my smallest position all the way up to my largest position. Now just so you know, this year I did buy a couple more speculative style plays, especially on a major dip or on the speculation that they should grow more than average because of the new technology, specifically in AI or data centers or something of that nature. Overall though, just so you know, I am a very boring investor with 90% or so of the portfolio in just your basic, solid, broad ETFs and index funds. Before this account, like I said, I did venture out and make one-time big buys maybe when I saw something that dipped way further than it probably should have or when I thought something was at an attractive price that I think could grow very, very big. So my first couple of stocks here are my lowest positions overall, and they definitely are the highest risk, and they're not ones that I'm dollar cost averaging in and continuing to buy into, but if they dip even further, I might buy again. These ones would be RCAT or RCAT, IREN, I-R-E-N, APLD, Applied Digital, UnitedHealth, UNH, and Meta. Each one of those are very small in the portfolio at around 1% each with Meta being closer to 2%. The next group of stocks here, I actually have much more faith in as far as long-term investing, but I'm also not continuing to dollar cost average into these ones. These would be Apple at 1.5% and Palantir at 1.5%. The last four stocks in this brokerage are stocks that I have the highest conviction in and I am continuing to dollar cost average each and every month. Google is 3%, SoFi is 3%, Microsoft is 5%, and Berkshire Hathaway is 7%. In total, the stock section makes up 27%, which is the highest this has ever been for this account. For the ETF portion, I have these as follows. SCHG, 6%, QQQM, 8%, SPMO, 6%, VGT, 2%, VOO, VOO at 22%, SCHD at 19%, and then VTV at 10%. So I am in total 73% ETFs and 27% stocks. Most of my stocks are more so growth, so that's why I have a heavier amount of actual value and foundational ETFs versus the growth ETFs in that portion of the portfolio. Next on to the riskiest account, but one that has a lot of upside, and that would be the crypto account. As you know, I do like Bitcoin, and when I first got into crypto, I got into the altcoins and I've kept a couple of them, but I'm really only dollar cost averaging into Bitcoin monthly, a little bit of Ethereum here and there, but really nothing else. I'm just holding the other altcoins. My crypto portfolio is as follows. 4% Cardano, 4% XRP, 11% Ethereum, and 81% Bitcoin. Long-term, I do see some big things for Bitcoin, but I also recognize that it is very speculative, especially at this point. Last is gonna be my cash and cash equivalents, and then after this, I'm going to explain exactly how I'm going to be investing in 2026, so you have a very good idea of where I'm gonna be putting my money, especially in each of these categories and as it relates to the entire picture. But for my cash and cash equivalents, I've actually beefed up that section much, much more than I have ever in the past. And for this, I have it in two separate types of accounts. First would be the high-yield savings account, of which I really like Capital One 360 Savings. Super easy and reliable. I keep our family emergency savings in one of those accounts and then we also have another account at Capital One for specifically traveling. My wife and I love to travel, so we built up another savings account for that specifically. In California, however, taxes are absolutely crazy. So for the other portion of my cash savings, I actually keep it in SGOV in the brokerage account. SGOV is short-term treasuries and one of the huge benefits is that you get like a four to 5% dispersion, but you don't have to pay state taxes. In California and at my income level, any type of tax savings is great for me. So in that account, I have the money stashed away and will continue to stash money into that for specifically buying that commercial building that I'm hoping to buy in 2026. Then I also have a little bit of money in there for dry powder, just in case we do see a dip that could possibly happen at the beginning of 2026 or maybe by the middle or so. In that case, I would use that money there and buy in on a couple of the stocks on ETFs if they're on sale. Usually I wouldn't have as much cash off to the side as I do today. I always recommend to people have three to six months worth of living expenses outside of the stock market. So in a high yield savings account or in CDs or in a money market account or in SGOV, just getting it out of the stock market, just in case if you lose your job or something and you need that money and the stock market's dropping, you don't wanna have to pull money out of the stock market. So you want that portion to be nice and safe. So here's what my entire investing portfolio looks like altogether right now. Cash and cash equivalents is at about 11%. Real estate takes up about 28%. The 401k slash 403b is at 15%. Roth is at 6%. Crypto is 10%. And then the taxable brokerage is at 30%. So in 2026, here's how I plan to invest. Like I said, I'm looking for that commercial building in 2026, possibly 2027. It really has to make sense. The numbers need to line up because that is a humongous purchase. For my ETF investing, I plan to stay very balanced. I like the balance that I have now and I'll probably continue it like that. I'm very much gonna stick to the three fund portfolio as my very much core. But of the ETFs that I will be adding just a little more to, definitely gonna be adding more to VTV specifically in the brokerage and more to SPMO overall just because I believe in that one long-term and believe in that momentum investing. For individual stocks, I'm going to continue to dollar cost average into Berkshire for sure, Microsoft and SoFi. If I see crazy deals like that monster drop we saw in Meta a couple of weeks ago, then I will probably take a stab at something like that, but it's only going to be stocks that I fully understand after doing a lot of research, but I'll definitely keep you updated. For crypto, I am gonna continue to dollar cost average into Bitcoin because I do believe that Bitcoin has big things coming. Maybe buy a little bit of Ethereum here and there, but nothing else in the crypto world. I'm always gonna prioritize maxing out that backdoor Roth IRA. And remember, I have that video down below if you wanna learn how to do it. You have until April 15th, 2026 to add to your portion for 2025. So I definitely recommend that you take a look at that video and see if that's something that might be really good for you. Tax-free growth is a no-brainer and I think everyone should have a Roth IRA. Also, I'd love for you to join us over at Patreon, like I said before, super exclusive group and you're able to direct message me with questions and chat with everyone else there to keep you on track this year for 2026. If you wanna learn a little bit more about the three fund portfolio I was talking about and learn exactly the percentages based off of your age, check out this video here or watch this video to keep you going strong in investing. Keep investing simplified.