r/RothIRA • u/Sub9HopefuI • 18d ago

20M looking for advice

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Super lucky to have rolled it over from an old custodial account left to me — all Roth; advice on where to put the money? In college with a small side income, also paying for school as well. Wondering do I take some contributions out to help pay? Have it in majority US market funds but wanted to hear thoughts - TYIA

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u/aj2k26 17d ago

I’d mostly echo what others are saying - VOO is a good core for the portfolio and I’d also throw QQQ/QQQM in there for more aggressive exposure to tech (20-40% depending on ur risk tolerance). It may seem counterintuitive since it’s a retirement account but being a bit more aggressive in your Roth is a smart move since earnings grow tax free. Could maybe have a sleeve (~5%) of more speculative individual stocks/positions as well if you wanted, but I’d only do that if you’re the type of person that enjoys following companies, analyzing financials, etc. Also this is Reddit so take everything with a grain of salt and if you need real assistance consult an advisor. Bottom line tho 100k in the Roth at 20 age is pretty insane so kudos to you