## Building a Diversified Portfolio: My 10 Core Stock Holdings for 2026

When managing a personal investment portfolio of around 45 positions, concentration naturally occurs at the top. As I review my 2026 portfolio strategy, the 10 largest holdings account for roughly 44% of my total account value. Here's a breakdown of where I'm putting my conviction, and why each of these names makes the cut.

### The Fintech Winner: SoFi Technologies

**SoFi Technologies** (NASDAQ: SOFI) has become my single largest position, a development I didn't necessarily anticipate. The stock has appreciated approximately 400% from my entry point over the past couple of years, driven by impressive revenue growth and profitability metrics that consistently exceeded expectations. This fintech platform has successfully disrupted traditional banking, offering a compelling value proposition for millennials and Gen Z investors.

### The Latin American E-commerce Powerhouse: MercadoLibre

**MercadoLibre** (NASDAQ: MELI) operates as a dual-engine growth machine. Beyond its dominant e-commerce marketplace position across Latin America, the company has built substantial financial services capabilities—including payment processing and lending products. Given the early-stage penetration of both e-commerce and fintech in its key markets, the runway for growth remains considerable.

### The Overlooked Auto Play: General Motors

**General Motors** (NYSE: GM) represents one of my most undervalued personal holdings, yet receives surprisingly little attention from the broader investment community. The company has solidified its position as America's second-largest EV manufacturer. With interest rate normalization potentially stimulating vehicle demand, automotive stocks could see renewed appreciation in 2026.

### The Dividend Machine: Realty Income

**Realty Income** (NYSE: O) stands as my preferred dividend-paying equity. This REIT owns over 15,000 high-quality commercial properties and maintains a 5.7% dividend yield backed by decades of consistent income growth. For income-focused portfolios, few securities offer this combination of yield and reliability.

### The Social Commerce Innovator: Pinterest

**Pinterest** (NYSE: PINS) is successfully transitioning from a pure content platform to an e-commerce engine. AI-driven personalization continues to improve user experience metrics, and recent subscriber growth has accelerated. While international advertising faces some tariff-related headwinds, the domestic opportunity remains substantial.

### The Conglomerate Anchor: Berkshire Hathaway

**Berkshire Hathaway** (NYSE: BRK.A, BRK.B) remains my go-to single-stock investment if portfolio allocation constraints allowed only one position. The company's portfolio includes 60+ operating subsidiaries, a $300+ billion equity portfolio, and more cash reserves than any other U.S. public company. Leadership succession happens in 2025, but the institutional framework is built to endure.

### The Homebuilding Play: Dream Finders Homes

**Dream Finders Homes** (NYSE: DFH) captures the substantial pent-up housing demand in America, particularly for entry-level properties. By focusing on the Sun Belt region and employing a capital-efficient land-light development model, this builder exemplifies disciplined capital allocation in a favorable housing market.

### The Insurance Specialist: Kinsale Capital Group

**Kinsale Capital Group** (NYSE: KNSL) specializes in underserved insurance niches where its underwriting expertise drives superior profitability. The company has only penetrated a fraction of its addressable market, and a recent price pullback presents an attractive accumulation opportunity for 2026.

### The Entertainment Giant: Walt Disney

**Walt Disney** (NYSE: DIS) combines multiple value drivers in a single holding. Its theme parks generate exceptional cash flow, the content library provides enduring intellectual property value, and while the streaming division is still optimizing profitability, the fundamental business remains exceptionally strong.

### The Real Estate Developer: Howard Hughes Holdings

**Howard Hughes Holdings** (NYSE: HHH) develops master-planned communities on large strategic land parcels. The company creates value through residential development while capturing commercial property opportunities generated by population growth in these neighborhoods—a self-reinforcing value creation cycle.

### Portfolio Composition and 2026 Strategy

It's worth noting that substantial ETF holdings complement these individual positions. If consolidated, the **Vanguard S&P 500 ETF** (NYSEMKT: VOO), **Vanguard Russell 2000 ETF** (NASDAQ: VTWO), and **Vanguard Real Estate ETF** (NYSEMKT: VNQ) would rank among my top holdings.

While this concentrated personal portfolio has performed well, one key 2026 objective is deploying new capital into smaller positions to enhance overall diversification. The current top-heavy structure reflects high-conviction thesis and recent strong performance rather than a permanent strategic stance.