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REDDIT

29 Y/O Looking for Advice on Roth IRA allocations

F
Mar 31, 2025 · 14:57

Hi everybody,

After starting my career a little bit later, I am looking for advice on ETF allocations for a 29 year old. I currently have about $12K in my Roth 401k and $4k in my HSA, but I'm looking for advice on how to approach ETF allocations in my Roth. I've read dozens of posts about "Voo and Chill" but I plan to do that in my individual brokerage and am looking for something potentially more aggressive for my Roth IRA. Open to both stocks and ETFs.

I figured listing my allocations for the 401k and HSA might be helpful:

401K allocations:

38% Large cap value

29% Large cap growth

20% Small/Mid/Specialty

11% Global/International

2% Bonds

HSA Allocations:

50% VFIAX (Vanguard 500 admiral Shares)

25% SEEGX (Large cap growth)

13% AVUAX (Mid cap value)

12% VSMAX (Small cap index)