Hey everyone! So I 20M, invest a total of 2,500 a month, however; I started wondering at what age should I start diversifying into safer/more diversified investments such as international ETFs (ex. VXUS, or VEU) Or even bonds?
I’m obviously very young so I don’t plan on investing into safe ETFs like bonds/international investments currently, but I do plan to invest in those once I get older. I just don’t know how much older, or what age I should be when I start “diversifying” into “safer” investments like bonds/diversified investments like international ETFs, because as you can see all my investments are currently betting on the US economy.
My current 2,500 split:
VOO 35.7%
QQQ 23.8%
Microsoft 9.5%
Google 9.5%
Amazon 9.5%
Costco 9.5%
I also save an extra 500 per month for the next opening of the Roth IRA since mine is already maxed this year.
So my wealth building per month is 3,000 but I only actively invest 2,500 since my Roth is capped already.
I appreciate any, and all advice :)