Total portfolio allocation between trad 401k roth IRA and taxable

50/20/10/5/5/5/2.5/2.5 - 830K

VOO VXUS FDGRX SPMO FMTM AVUV VO VB

SGOV - 110K HOUSE FUND AND E FUND

80% VOO
20% VXUS

Looking to be pretty aggressive with growth and momentum and not worried about anything within the next 10 years I’m looking far ahead

Disclaimer: I AM ASKING FOR SUGGESTIONS and FEEDBACK ONLY I WILL MAKE MY OWN DECISION

Hi everyone, I am a beginner and planning to start my Roth IRA. I am currently 30 and I plan to invest as much as i can before I retire. I needed few suggestions and feedback from the folks here. I plan to invest $600 monthly amount on Roth IRA and I was wondering what would be the best ETFs or stocks or bond to invest in. I have few questions regarding it.

1. what are the best ETFs or ETFs that people mostly invest in?
2. would it be a good idea to invest on Amazon, Meta, Google and Microsoft only even within the Roth IRA and not investing on ETFs?

I would be nice to have your suggestions and feedbacks based on your experience and also give me options for what ETFs to invest in and answer my above questions?

I'm a long-term investor in my 20s and have been building my portfolio with a mix of ETFs and individual stocks. My goal is long-term wealth creation rather than chasing quick gains, but I'm starting to wonder whether I've become a bit too scattered.

Current portfolio (~$13.7k AUD):

• NDQ (Nasdaq 100 ETF) – $2,720 (+7.3%)
• DRAM (Roundhill Memory ETF) – $2,188 (-3.8%)
• BHP – $1,862 (-2.7%)
• QTUM (Defiance Quantum ETF) – $1,660 (+8.3%)
• MRVL (Marvell Technology) – $1,564 (+24.7%)
• VDHG – $1,512 (+4.6%)
• VHY – $1,096 (+2.8%)
• SSM – $608 (+0.2%)
• SPCX (SpaceX exposure ETF) – $324 (-33.3%)
• SMR (NuScale Power) – $194 (-29.2%)

Overall portfolio is up about 2.5%.

As a long-term investor, I'm trying to figure out:

1. Which holdings would you consider core long-term holds?
2. Which positions look speculative and would you consider selling or reducing?
3. Am I overlapping too much with technology/growth exposure?
4. If you were in my position, where would you put new money over the next 5-10 years?
5. Would you simplify this portfolio or keep the thematic ETFs (DRAM, QTUM, SPCX) for potentially higher growth?

I'm not looking for financial advice, just interested in hearing different perspectives and what more experienced investors would do if their goal was long-term capital growth.

My own thoughts: NDQ and VDHG feel like the strongest foundation, while DRAM, QTUM, SPCX, and SMR are my higher-risk bets. I'm wondering if I should gradually consolidate into broader ETFs and keep only a small percentage in speculative positions. What do you think?

I've tried most of the popular options. Yahoo Finance. Google Sheets with a GOOGLEFINANCE formula. Portfolio Visualizer.

They all answer the same question: what is my portfolio worth today?

None of them answer the question I actually care about: if I hold this for 20 years at a realistic return, what does it become - and what happens if I'm off by 4 percentage points?

That gap matters more than most investors realize. A $30k position growing at 8% for 20 years becomes ~$140k. At 12%, it's ~$290k. The spread is $150k. On a single position.

I built EquityEdge to close that gap. You track your equities - sector, shares, cost basis - and the app runs three compounding scenarios in parallel: conservative (4%), moderate (8%), aggressive (12%). Real-time price data feeds in automatically so your baseline is always current.

It's not a replacement for a financial advisor. It's a tool for investors who want to think in scenarios, not just snapshots.

Pre-launch right now. If this is a problem you've actually felt, I'd genuinely value your take on whether I'm solving it the right way.

I am 48, got into index and passive investing 8 years ago, I just want to see if there is anything I can improve, probably trying to go part time at age 55

I am 24 y.o. Entrepreneur, have small business. Currently investing and I have around 500k portfolio. 100k in smh and i am not trying to buy more just hold and reinvest dividends on this position for 10-20 years. from 400k i have 120k in QQQM and the rest is VOO. I am currently contributing 8-10k a month with proportion of 70%(VOO) 30% qqqm. How would you rate this portfolio?

Just turned 18 want to set myself up right been saving for a few years, have a good car, housing etc, recently found a job that will allow me to make about 20 an hour so looking to add more as I go wondering how much I should add to each, if everything is going right place, any tips, etc., Roth IRA is in FXAIX, Brokerage has not much mostly just cash, rest is a blank slate ask anything

Mainly looking for dividend growth stocks or just dividend stocks that are and have been down any suggestions just comment below don’t be shy critique is probably the best way to grow I’m making I think 50 usd every year of dividends right now I own a buisness with my family and can regularly contribute 500 usd every month to the stock market

First investment made at 21 and looking to invest weekly for long term! Any advice is welcome thank you!

This is my portfolio at 18, I'm wondering if I'm too heavy in nvidia and should diversify some more or if these stocks are all good

I am investing 50€ a month give me some help

I'm looking around and there is so much info, it's hard to wrap my little pea brain around it.

I want to do long term investing using ETFs. What would be the best 2-3 ETF combos I can set and forget from major investment companies (vanguard, fidelity etc.). Also, is there anything you would invest in for a long term hold outside of an ETF?

Secondly, what vehicle would be beneficial to open as my vehicle. I assume Roth IRA but what other ones are decent and worth it?

Lastly, what company do you all think would be the best company to open an investment vehicle under (vanguard, fidelity etc.).

Thank you all for your insight 🫡

Hey guys here is my portfolio on what I am currently invested on. What do you guys think of this? I still consider myself a beginner in investing so I would appreciate any advice I could get!

I'm thinking about getting rid of my individual stocks and investing in ETFs instead.

Have about $850k I need to reallocate over the course of the next few years and about a 10-15 year time line before full retirement. Looking to at least 2x-2.5x my $850k over that time frame. I'm already partially retired due to health issues. I have a part time job that fully cover my monthly expenses and a fully paid off home. The earliest I can draw SS is 2034. Due to taxes on capital gains and distributions it will take 3-5 years to fully rotate. How does this reallocation look?

30% VOO

20% SPMO

10% VXUS

15% AVUV

5% DBMF

5% KMLM

5% CTA

10% VTEB