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REDDIT

ROTH IRA help

T
Jan 27, 2026 · 13:29

My ROTH right now;

60% FXAIX

25% qqqm

15% FZILX

I am 18M and this is my current Roth right now, and after doing some research it seems like the QQQm may not be a good fit with the over lap with FXAIX. But I could be wrong too and it is somehow still a good idea to have in my Roth, however, here is an idea for a new ROTH if having the QQQM in there isn't the best. I'm looking for the most growth, however diversified/simple and safe approach to this.

55% FXAIX

15% FSKAX

10% FNCMX

20% FIZLX