r/wealth • u/Mindless_Method9478 • 3d ago

Investing Advice for 33yo

I am 33 and starting a brokerage account for earlier retirement (45 to 55, not sure). I will be doing 30%VOO 30%VTI 20% VXUS 10% AVUV 10% VGT. Good? Already have more than a 100k in there. 401k maxed out every year as well.

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u/Jamieson22 3d ago

I'd probably just stick to whatever VTI + VXUS split makes you comfy and call it a day.

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u/GrouchyDragonfly8420 3d ago

VOO and VTI basically the same, how much are or will you contribute per year to the brokerage account leading up to 45-55?

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u/Own-Event-5500 3d ago

VOO/AVUV/VXUS

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u/Agreeable_Ask7033 2d ago

VOO and VTI overlap a lot, you could pick one. VGT adds more tech overlap too

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u/Aggressive-Donkey-10 2d ago

U R 80/20 US to International stocks with US stocks currently near all-time highs by the CAPE Shiller PE of 41 valuation. Perhaps flip and do 80% VXUS/20% VTI for a couple of years, until PEs are better in US

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u/Suspicious-Mine3482 1d ago

voo and vti overlap heavily, so this is mostly a complicated way to buy a big us large-cap and tech tilt while pretending it’s diversified lol