Hi everyone,
For the past few years I have been auto building a SWVXX savings that I want to drain over the next 4 years into a 40/30/30 weekly split of SWPPX/SPMO/QQQM.
It's a +15 year plan I don't intend on touching beyond the weekly manual buys of SPMO and QQQM.
43.4% - SWPPX: core s&p 500 for some diversity and ROTH IRA
28.3% - SPMO: momentum shifter
28.3% - QQQM: Nasdaq tech heavy focus
I'm aware this is very tech heavy with potential disturbing short term downturns.
I am not sure if I should simplify things and go 100% SWPPX, adjust the balance so it is maybe more 50/20/30, if anyone would like to recommend a purely automated 50/50 SWPPX/SWLGX split, or some other idea.
Is rebalancing yearly recommended or no harm just letting them each do their own thing?
Thanks! Happy new year and best wishes to everyone!