{ "media_type": "text", "post_content": "What do you guys think about my target asset allocation breakdown?\n\nTotal US Market / Large Cap (FZROX, QQQ, TQQQ): 60%\nTotal International (FZILX): 15%\nIndustry Sectors / Individual Stocks(VYM, AMZN, LIT, TAN): 15%\nTotal US Bond Market (FXNAX): 5%\nCash (outside emergency fund and monthly driver): 5%\n\nContext:\n25 years old\nNo debt\nMaxing 401k and Roth IRA\nEmergency Fund: 9-12 months of expenses\nChecking: 1-3 months of expenses\nWill max HSA when I move onto own health insurance", "post_id": "61919a2ddecb5d002f62122e", "reply_count": 21, "vote_count": 1, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

What do you guys think about my target asset allocation breakdown? Total US Market / Large Cap (FZROX, QQQ, TQQQ): 60% Total International (FZILX): 15% Industry Sectors / Individual Stocks(VYM, AMZN, LIT, TAN): 15% Total US Bond Market (FXNAX): 5% Cash (outside emergency fund and monthly driver): 5% Context: 25 years old No debt Maxing 401k and Roth IRA Emergency Fund: 9-12 months of expenses Checking: 1-3 months of expenses Will max HSA when I move onto own health insurance

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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

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Agreed. Bonds should be struck entirely. Personally, I would reallocate all bonds to bitcoin.

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No bonds

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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.

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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

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