{ "media_type": "text", "post_content": "I am 22 and have both an individual brokerage account, Roth IRA, and 401k. \n\nI invest up to the company match in 401k, Max out the Roth, and invest here and there in the individual brokerage account.\n\nIn the individual and Roth I only invest in etfs for simplicity, but my question is should I structure my etfs differently in each?\n\nCurrent breakdowns: \nRoth (20% vtwo, 30% voo, 25% PBW, 25% arkw)\nPersonal (30% PBW, 15% fxaix, 10% fagix, 30% arkw, 15% vtwo)", "post_id": "5fdcdacfec2001001a322061", "reply_count": 1, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I am 22 and have both an individual brokerage account, Roth IRA, and 401k. I invest up to the company match in 401k, Max out the Roth, and invest here and there in the individual brokerage account. In the individual and Roth I only invest in etfs for simplicity, but my question is should I structure my etfs differently in each? Current breakdowns: Roth (20% vtwo, 30% voo, 25% PBW, 25% arkw) Personal (30% PBW, 15% fxaix, 10% fagix, 30% arkw, 15% vtwo)

like
Posting as :
works at
You are currently posting as works at

50% concentrated in ARKW and PBW seems a bit aggressive especially considering the froth in those sectors recently. Consider looking into foreign developed or emerging markets or reallocating more to US large caps. Defensive assets like bonds aren’t bad either, but allocate no more than 10% at your age.

Related Posts

I currently am a senior in a specialized healthcare consulting function. I received a job offer which is less glamorous as a project manager @ a hospital organization. It could help me support my work life balance as I plan to go back to school.... is this a down grade? Is it worth it? Will it keep me out of other consulting jobs? Open to thoughts.

like

Are QOL benefits for a spouse or child in policy for reimbursement? I'm having trouble finding the policy.

like

Am I leaving my current firm on bad terms if I submit two week notice on January 24th to join another firm offering better pay/benefits?

like

Oh look, the news cycle is now consumed by something other than the current healthcare repeal effort. That's convenient. It's almost like that was planned or something.

like

Has anyone solely lived off of per diem for an extended period of time?

like

How Much EPAM Can Offer For 9 years Experienced ETL QA With Cloud Experience Fishes Let me know what All Benefits i can Get from EPAM . Is this Switch Worth ?

like

Why do people into financial independence preach it like a religion and act holier than thou? Some of us want families, good company healthcare, and to live a life beyond that of a peasant

likehelpful

When does Deloitte contribute their 401k match?

like

Do more people here contribute to Roth or Traditional 401k?

like

What are the best benefits at Deloitte?

likefunny

Anyone willing to assess finances at high level? Single associate in NY saving 55% of income. Maxing Roth IRA and 401k. 4 mo expenses in high yield savings. Stock picking via robinhood. (Cont’d)

like

Did any US citizens move successfully to Europe? I have a medical thing, as a freelancer I can’t afford healthcare here, and I’m afraid I will become broke and homeless living in NYC. I want a better quality of life, and to just live while I still have time...

like

Any examples of pharma/healthcare TikToks?

like

How do you access your 401k account after leaving the firm? I have always gone through benefit express but can’t figure how to access it externally

like

What are benefits packages like outside the Big 4, particularly at MANGA (I guess that’s the new acronym with Meta), Salesforce, etc? I always assumed Deloitte’s benefits were on the more generous side but curious how we go up against some of these tech companies who also generally pay more. I’m paying $3796/yr for a family HDHP where the total OOP max is $7600 ($3800 for individual). D throws in $1k to HSA if you max personal.

like

KPMG ups 401(k) match to 8%, from 6%, the WSJ reports. (This news is a few months old.) Article also slips in this…that the bump occurred beginning Jan. 1, “after the firm froze its pension plan on Dec 31”. Was that an employee pension freeze, or a partner pension freeze, or both?

like

Is guidehouse commercial still hiring? Any insights into their LS/healthcare practice?

like

Has anyone tried mediation to reduce stress, increase focus?? Have you seen any changes or benefits??

like

Thinking of maximizing travel points/benefits from my credit cards. What is the best card(s) to use? NA based mostly traveling using Marriott properties and AA/United flights. Solving for most redeemable points for travel (hotel and flights), ok paying annual fees.

like

Is anyone familiar with Bain’s BCN team? What’s it like working for them? What are the benefits/perks like? Working as a consultant at another firm right now, and I’m being considered for a manager on commercial excellence. What things should I consider? Thanks!Bain & Company

like

Additional Posts

Any Slalom Boston folks out there? I’m interested in networking. I know the recruiter very well from the Hartford office and have been connected to the Boston recruiter. More so looking to chat with current employees rather than recruiters as there is a hiring freeze.

like

Having to fly American for a project due to costs and flight availability. Seriously night and day compared to delta. It's like all airline courtesies went out the window.

like

Any self employed people (I’m a sole trader since May 2021) in the US with suggestions for disability insurance policies? I would want one that pays to 65 with inflation adjustments. I just got denied a policy by Northwestern Mutual because of my ADHD. I sit in front of a laptop all day, and work from home.

like

Anyone who attended pair programming interview round in thoughtworks for a Java developer role? Could tell what exactly happens in this round?

like

Maternity Leave? I’m trying to plan some time out to have my first child and work predominately with older men so this is unchartered territory. Any tips?

That awkward moment when your client whips out an electronic cigarette and starts puffing away mid presentation.

like

Hi Fishes 🐠, Hope you are doing great! I wanted to reach out because I’m currently exploring new opportunities. I have 4 years of experience in project management and business operations. Please help sharing/referring if there is any PMO/Project Management you have. Just to add, I am currently serving my notice period and will be available to join after 20th Jan'22.

like

I’ve got a manager who runs a tight ship: 12 hour days (not busy szn) regularly, no sick days, no company-sponsored events, etc. Mgr makes it miserable. How would you deal with this?

like

What is the value in professional certifications? ACCA, CFA, CIPD, etc.

like

How many years of experience does one need for a Consultant role at Parthenon these days? No-MBA.

like

Clever ways to meet credit card spending requirements?

like

Anyone connecting through IAD?

like

Hello, new user here. How can I enter the CSR/ESG field? Are there any particular technical skills I can work on while in graduate school? What would an ideal candidate look like? Thank you!

like

I am getting a crazy amount of spam calls "verify your business with Google" on my work Skype number!! I don't know why this is happening. Does anyone know how to block it or another solution?

like

Going back to work in a couple of weeks and will be working from home. My mum is available to watch the baby till 2.30pm. Do you think i can handle working and watching the baby till end of day?.

Showers: Zoom or masked / distanced (and ideally vaxxed!)? Looking at last weekend in Feb or first in March. Will be too cold where we live to hold a shower outside. What are you ladies doing? Any ideas on how to make it fun?

like

Have a potential freelance to full time offer coming in that I’m excited about. Small company. The project manager emailed me asking my day rate and full time salary desires but...

like

EY EY-Parthenon Considering an offer at EYP. What brokerages are approved under EY’s independence policies? I currently use Schwab Intelligent Portfolio as one of my accounts. Assume that will have to go. Who is the 401k provider?

like

Is it unprofessional to quit over Zoom?

like

What is salary bracket for B2 band in wipro?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal