I'm 19 years old, turning 20 in May.
I have no debt, earn about 40k a year, and am scheduled to graduate from college in 2027. I only have about 4k in a brokerage account, 37k in my Roth IRA, and 10k cash for expenses (rent, etc). I was planning on maxing my Roth for 2025 with some of the cash on hand, and I'm just not sure what to buy.
I also have around 150k in real estate that I inherited. I'll be keeping this as it will bring in rental revenue eventually.
When I was in high school, I built a computer and thought it would be a great idea to buy NVDA along with the graphics card, so that's where the majority of my growth comes from. It's around 50% of my Roth.
Where should I go from here? Lower down my NVDA% makes sense, but I don't really want to sell it atm or really, ever. It's about 75% tech, pretty much just home depot, rgti, ionq, and walmart for the other 25%.
Index funds seem like a must, thinking of trying to do VOO, VTI, VXUS, SCHD, SCHG, and QQQ. Honestly a bit lost.