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REDDIT

My New Year’s resolution is to max my personal Roth IRA. Where should I put my money?

N
Jan 7, 2026 · 21:45

I’m 23, and while I officially invested my first $1000 into my Roth a few days ago (and about 200 from 2025), I’m wondering if my makeshift strategy is sustainable enough.

This is what my current lineup looks like:

≈1 share of NEM (accidentally bought in my Roth instead of my brokerage acc)

1/10 share of NVDA (same as above, complete accident)

1 share of QQQM

5 shares of BLOX

18 shares of SCHD

$330 sitting in cash

I’m open to selling/trading for other ETFs, don’t mind investing in riskier options either, but also want a chunk that guarantees consistent dividends/payouts to reinvest.