Hi everyone, I turned 18 in April. I have a long time horizon (40+ years), and would appreciate some feedback on my portfolio construction. I’m trying to be intentional about account placement, taxes, and risk. Before anyone says anything, I’ve maxed my Roth IRA already, and plan to keep on doing so. I also had roughly 2k in my taxable.
**Roth IRA (growth focused):**
**• 65% VOO**
**• 35% QQQM**
My thinking here is to maximize long term tax free growth and lean into equities while I’m young.
**Taxable account:**
**• 60% equal weighted sector growth stocks**
**• 30% AVUV (US small cap value)**
**• 10% SPYI**
The sector growth basket is equal weighted across 20 holdings and is intentionally concentrated. It is approximately 55% technology, 20% healthcare, 10% financials, 5% consumer discretionary, 5% consumer staples, and 5% crypto via a thematic ETF. The goal is to seek some alpha in taxable while keeping positions tax efficient and long term. This is also the part of the portfolio where I expect most people to have opinions, especially around the tech concentration and the decision to hold individual stocks instead of only broad index funds.
AVUV is included to diversify away from mega cap growth and to capture the small cap value premium over long periods.
SPYI is intentionally kept small. The idea is to slowly build an income producing position in taxable over decades so that later in life it can provide meaningful cash flow, while reinvesting all distributions for now.
I am not trying to market time or trade frequently. This is meant to be a long term, mostly hands off strategy with occasional rebalancing.
**Curious to hear thoughts on:**
**• Asset location choices**
**• The role of AVUV alongside growth heavy exposure**
**• Whether starting a small income position this early makes sense or is inefficient**
Thanks in advance for any feedback.