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Switch bonds and International for Bitcoin and you’re good Bonds won’t make you any money and International is still correlated with the US market
Agreed. Bonds should be struck entirely. Personally, I would reallocate all bonds to bitcoin.
No bonds
How about this updated breakdown? Total US / Large Cap: 55% - VTI: 40% - QQQ: 10% - TQQQ: 5% Total International (VXUS): 20% Industry Sectors / Individual Stocks: 20% - VYM: 5% (high dividend ETF) - VGT: 2% (more diverse version of QQQ / planning to sell after Year 1) - VNQ: 7.5% (real estate) - LIT: 2.5% (batteries) - TAN: 2% (solar) - AMZN: 1% Cash: 5% Considering lowering international(VXUS) to 15% and putting the 5% into crypto.
Overall that seems ok. I personally would not mess around with TQQQ depending on how much of the 60% it is. At 25 you probably don’t need bonds, but 5% is certainly reasonable. Also I would only hold the 2 fildelity zero funds in a tax advantaged account. If those are in a taxable brokerage account, I would pick other total market funds. I also don’t use individual stocks, but that is just my preference. I would make sure no individual stock is too much of your total.
@EY2, I have been maxing my Roth IRA for the last couple years. It’s at around 25k. I haven’t been doing HSA yet since I’m still on parents health insurance. Once I turn 26, I will definitely enroll into my employer health insurance and max out HSA. Also, I will be removing bonds for a REIT ETF like VNQ or similar. Appreciate the guidance here