I recently started working and plan on starting a Roth IRA to max our yearly. I want to set it and forget it, would it be better to do a total stock market ETF, or split between SPY and QQQ?

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First off, good for you for doing this early in your career.

To be honest, either is okay. Personally between the two go with the total stock market ETF.

Be sure to check your risk level. I no think that you’ll also need something “safe” so a decent bond fund would be good as well. You want to stay in your risk level and take a look at your risk level once in a while. That could be every few years or it could happen when circumstances change. I find that a lot of emphasis is placed in asset selection but there is very little on suitability and risk tolerance. Sure you could increase your returns with an aggressive allocation but if it destroys your health, it’s probably not worth it.

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VTI

I do 70% total market index fund, 30% ARK

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