I have $40k in mutual funds that I would like to sell and buy ETFs with. This is in a brokerage account that also contains a small amount of VOO and some individual stocks. My goals for the portfolio are to get decent growth and keep everything for 5+ years until I need it (I’ll be a student for 2 more years). What would be a good split to invest this money in? I’ve looked at doing a 40/40/20 split of VOO/SCHD/QQQM, and have also seen the advice in the boglehead sub (though that seems more suited to retirement accounts to me). Would it make sense to put a some of the money into a dividend fund, or is that money better off international? I also have ~$15k in a CD expiring this year, so I’m trying to work out a portfolio before then. What is a good split for a portfolio for someone my age with my goals?