Hello, 18 year old, I plan to set up a recurring investment rather than transfers (which is what I've been doing), into whatever stock/ETF every month. This is for super long term, won't touch these at all in my Roth IRA until like 40+ years.
But I was just wondering if there was any specific ratio I should do like 30/30/20/20 for example. Although I'm not exactly sure what I should focus on, for long term I mostly do QQQM, VOO, VTI and VXUS (also sometimes GLD, SLV, SCHD). I know it might be a bit redundant doing QQQM, VOO and VTI (US), but I would appreciate any recommendations as to which specific ones I should set up a recurring investment into and what ratio? I know VT is also a good option, but considering I'm very young, my portfolio can be a lot more aggressive so VTI+VXUS would allow me to tweak the ratio to make it more aggressive(?).
Apologies if anything's wrong about what I said, I'm not too knowledgeable.
Any specific ratio to set up recurring investment for Roth IRA long term?
byu/Don_Mask ininvesting
Posted by Don_Mask
3 Comments
I did the yearly max (both IRA and 401k), and just live on a smaller budget, granted you need a decent $ in your bank to even start it in case of any unforseen costs bumps (say car repairs, flat tires, or when eggs hits 2dollars per egg, or when gas hits 7dollars/gal).
Edit: Note Doing max makes it hard to save up cash
As for what profile for investment your asking….. eh thats all you.
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at 18 you have the ultimate cheat code: time. you’re definitely overlapping too much with voo/vti/qqqm. i’d just do 80% vti/vxus to keep it simple. for the really aggressive long-term bucket, i stopped trying to tilt with public sectors and just use vcx for private tech exposure. fits a 40-year horizon perfectly.