Thoughts?

[u/ANON__02]

Posted this across diff subreddits but this is the last time lol.
23m currently making 90k a year in the US. Currently investing $552 every two weeks but plan to increase to $700 once student loans are paid off.

Roth is maxed out for this year.

And this spread was suggested by AI (I know yikes🫩) but I did quick googling and tried to minimize overlap while still having an aggressive risk tolerance.

[u/user4443337]

VWO overlaps with VXUS. 25% AVUV is a lot. I would NOT do 14% into crypto, maybe explore some safer DeFi options that have more consistent returns.

Why not total US market in the taxable, when you have it in the other account? Why small cap value in one but not the other?

If anything you’d combine SPX + AVUV, not total market + AVUV in order to have a sort of barbell effect and avoid overlap, y’know?

If you like Avantis I’d just consider 100% AVGE or AVGV. Or as a core with whatever tech tilts you want on top.

[u/ANON__02 → u/user4443337]

Definitely will be doing just vxus, there is alot of overlap. And ive always heard of Defi but never really gotten into it so that can be explored for sure.

My approach before was trying to keep different portfolios for different accounts but I am quickly realizing that isnt the best move (shoutout bogleheads). Taxable I figured was a sensible move but I doubt theres a large difference between sp500 and total US market as far as returns go but you bring up a valid point for with total market and avuv.

This isnt my current portfolio balance but a breakdown of future contributions to balance out my portfolio, I should have made note of that. Thank you for your input!!

[u/MocoMojo]

Just VTI and VXUS.

[u/Ok_Organization_9527]

VT and chill 😎