**35% VOO**
**25% QQQM**
**15% SPMO**
**15% VWO**
**10% AVUV**
I’m 25 with a 5+ year horizon and may use some of this for a future house hack/down payment. This is in a taxable brokerage, not tax-advantaged. Comfortable with volatility but want to balance growth with flexibility. Looking for feedback on overlap, risk, and simplification.