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REDDIT

Adding risk-reward to IRA

E
Dec 8, 2025 · 02:06

Our IRA #1 will not be touched for 6-8 years; our IRA #2 will not be touched for 10-12 years. Both are now 70% VTI, 15% VXUS, 15% IAU. We want to keep #1 as is. Not asking for advice about "what will go up" but categorically, which of these options might be best to add practical risk-reward to #2:

(A) move 10% of the VTI to VO or AVUV?

(B) move the IAU (plain gold) to GDE (layered with securities)

(C) add a small layer of SSO (leveraged securities)

(D) increase the VTI and reduce the other two

(E) combine some of these

(F) any other ideas?

Thanks!