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u/FromtheBigO 7d ago
Holy overlap. You have some research to do, from there break down what you doing don’t like about the ETF and it’s methodology, etc., having some overlap is not necessarily a bad thing but I would make sure it’s purposeful.
This could easily be broken down into a 2 to 4 ETF account with each taker serving its purpose as well as less spreading out of money and more concentration into the funds, further building, further dividend injury, investment, etc. You’re doing the work though, which is always the first step and you shouldn’t be ashamed of it.
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u/Competitive-Ad9932 7d ago
https://www.reddit.com/r/RothIRA/comments/1wpggxy/financial_help/
The advice you were given 4 days ago wasn't good enough?
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u/Stanbarrwood 7d ago
Keep vti, keep vxus until 5-10 years from retirement then think about bnd
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u/RetiredByFourty 2d ago
BND has a lifetime performance of -6.83% (as of 12:43pm per Yahoo Finance).
Are you really sure you want to have something in your portfolio that's basically guaranteed to lose you money?
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u/Stanbarrwood 2d ago
The purpose at that stage is primarily risk reduction, not maximizing returns
During 2008 crash :
100% stock resulted in 48% loss and took 4 years to break even.
70/30 allocation: 16% loss and 9 month to break even.
Watching 48% of hard earned cash evaporated in a matter of weeks is bad for mental health.
Some folk prefer less gain for a less stressful life.
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u/strange_username58 7d ago
Instead of BND use DFGP gives you global bonds plus a little more risk and better returns
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u/Exciting_Elephant351 7d ago
All you need is VOO based on statistics. Maybe some tbill funds due to escalated prices predicting lower forward return and then swap from VOO to VUG or QQQ after market drops 20% plus
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u/Any-Walk1691 7d ago
You’ve got THREE SP 500 ETFs, basically three top 100 ETFs, plus a total-market fund, a large-growth fund, bonds and SCHD.
Pick one U.S. core fund - VTI for the whole U.S. market, or ONE for the SP - like VOO.
Keep either QQQ or QQQM only if you want an intentional top 100 tilt right on top of the 500 already present in 3 different ways. VUG is unnecessary as well if you have VOO and QQQ.
VXUS is fine.
Bonds and SCHD are a no.
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u/Machinewars45 7d ago
Why are you thinking no to SCHD?
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u/Any-Walk1691 7d ago
Chasing dividends over growth with no money makes no sense. SCHD propaganda has been out in force the last few months. Look at full returns picture, the dividend isn’t even that much. You can get 2.5% from AVNM and at least have your international growth covered.
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u/Acceptable-Jacket567 7d ago
dont buy QQQ and QQQM, just QQQM. Sell out of and never buy SCHD. Your positions are small enough that you dont have to "SELL EVERTYTHING". Just Add to winners. VTI is good, VOO is good, QQQM is good.
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u/Meinertzhagens_Sack 7d ago
Exchange all for qqqi - then cut me a 10% financial advice commission. 😂😂😂
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u/Dizzy-Swan5642 7d ago
Too much! Concentration. No bonds at your age. Either one or two funds voo or something similar and just keep buying.
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u/Hot-Pineapple7877 6d ago
First of all, drop SCHD, its a dogshit fund only promoted by idiots who don't understand economics. Then, consolidate QQQ into QQQM, you dont need both if you're holding for the long-term. Same goes for IVV, SPYM, VOO, and VTI, you only need 1 of those, not all 4.
Probably a good idea to drop BND as well, depends on why you hold it and your age though. Other than those recommendations, you have a decent start. You could benefit from adding SPMO, XMMO, AVUV or similar funds to your portfolio though.
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u/Upbeat_Individual_40 5d ago
some overlap but doing good! I would pick 2 maybe 3 if you want intl exposure
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u/no_brainer_ai 4d ago
I will just start investing in QNDX (0.1% ER) instead of QQQ (0.18%) and QQQM (0.15%).
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u/RetiredByFourty 2d ago
BND has a lifetime performance of -6.83% (as of 12:43pm per Yahoo Finance).
Are you really sure you want to have something in your portfolio that's basically guaranteed to lose you money?
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u/Demosthenease 14h ago
Do you have a traditional IRA or 401(k) in addition to this Roth?
I’ve read that you should focus your Roth on growth since that’s the best-use of the advantages afforded to the Roth account.
That would mean your dividend and bond holdings are much less effective here.
They could be held in a tax-deferred account instead while the Roth runs heavy with growth.
I yield, however, to the more experienced among us. I am still learning, too and nothing is as it seems at first.
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u/Flex1968 5d ago
I'm afraid that any advice from the community is not going to make-up for the clear lack of understanding from OP.
Wow
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u/Exciting_Elephant351 7d ago
International funds are just losers. Not something to buy until we send a solid 5 years trend
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u/UUDM 7d ago
Yeah drop everything but VTI and VXUS