So I am starting a Roth IRA from scratch. I am 28, live in the US, and I have been deep diving the market and allocations for a couple months now. An all in one fund is just not for me. I want to see how my money is allocated and be able to make adjustments in the future. I'm starting with an amount of $1500 USD. I was originally going to post this to just get recommendations, but I would like it to be informative for anyone that is starting out in similar situations like me. I would like to see what we as a community can crowdsource for a good model that someone can follow.
I could really use some validation so that I know I'm not about to make any mistakes, but I would like responses to have either of the two objectives. First, being a direct change that they think I have wrong. This way I can make changes if its supported by others. The second, being other options that are equally as good depending on situations. This could be from certain states, countries, risk factors, or whatever you seem important to point out. Obviously, some people are going to say that every portfolio should be different. However please remember that I'm talking about a baseline that someone looking in depth could start from.
Baseline: Mid 20s, willing to take some risk, and looking to heavily diversify to maximize long term gain. We are going to avoid active management because of known data. We also want to keep low cost.
* Get full match on 401K.
* Need 6 month emergency fund of total bills. You have two options.
* Bank (HYSA) - An account offered by a bank that has a higher APY then normal savings accounts. [List of options](https://www.nerdwallet.com/m/banking/standout-online-savings-accounts-2a?utm_source=goog&utm_medium=cpc&utm_campaign=bk_mktg_paid_010123_savings_hysa&utm_content=ta&mktg_place=aud-419383247711:kwd-882560947396&gad_source=1&gclid=Cj0KCQjwh_i_BhCzARIsANimeoGSIJFJ8wk42U2mF2SprQBJtvTN5gj78V0YepyOxsbxrVHMrtXEBYAaAosJEALw_wcB)
* Online Brokerage Accounts (Money Market Funds) - Top 2 online brokerages are Vanguard and Fidelity. Choose one of their options of Money Market Funds depending on your tax rate. Open the account in the according fund you pick.
* I chose this option with Vanguard going 100% VUSXX. Optimize your MMF pick [here](https://www.bogleheads.org/forum/viewtopic.php?t=401821).
* HYSA vs MMF - HYSA is almost instant liquidity (Its a bank account) and barely lower risk, but generally has slightly lower returns because of taxes and other reasons. You pick a MMF besides other allocations in the brokerage account because MMF work as a cash equivalent, making it liquid within usually 2-3 days.
* Roth IRA and allocations (Goal return of 8.5% APY over 30 years)
* 37% VOO (US Large Cap Stocks ETF)
* 15% IJS (US Small Cap Stocks ETF)
* 15% IUSV (US Small Cap Stocks ETF)
* 20% VEA (International Developed Stocks ETF)
* 8% VWO (Emerging Markets ETF)
* 5% VCLT (Long-Term Corporate Bond ETF)
