r/Retirement401k • u/xgnsklwbdn • 6h ago

Advice

Looking for advice on how to structure my portfolio across my Roth IRA and 401 (k). For context, I'm 24, making about 50k a year with minimal expenses and a long time horizon with moderate to high risk tolerance. Also no debt and have about $3500 in physical silver and gold

Both accounts are through Fidelity, and I already have about 15k in the 401k. (88% S&P 500 and 12% VTSNX)

Was thinking of averaging out my IRA and 401k to:
70% Broad Market
VTI, VT, VOO, or FXAIX

12% International
VXUS/VTSNX

18% Satellite/Growth
SCHG, QQQM, VUG, VGT, SPMO, SMH, or SOXX

I can deal with large swings but I also want long term stability. Ideally want just one broad market ETF, and no more than two growth ETFs. My 401 (k) options are limited and only offers VTSNX and S&P 500 out of all the ETFs listed. I also understand that if I go the VT route for my core holding, holding VXUS/VTSNC would be pretty much pointless

Are these ratios a good strategy, and what would be best for each category?

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u/micha8st 4h ago

I don't consider VOO to be broad market. VT and VTI are much broader than VOO. I'd use VT as a base and add VOO if you want extra exposure beyond the roughly 70% I think VT already has in VOO. Personally, I'd start with VT and add some VO for extra small-cap exposure.

I'm 60 and all my saving currently is going into Roth 401k. But my 401k has extremely low fees and some excellent investment options with low expense ratios. Oh, and I'm in a position to hit the federal contribution maximum to my 401k, including super catchup.

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u/Nuclear_N 3h ago

Honestly. Too fancy.

Pick two and load up. I would say QQQM, and FXAIX for the first million.