Hey everyone, looking for some advice before I make a contribution to my Roth for 2026.
**ETFs (Rounded to nearest 1/4th)** \~ 77%
VTI - 57.75%
SCHD - 3.75%
QQQM - 6.25%
AVEM - 4.75%
ACDE - 4.50%
**SECURITIES (Rounded to nearest 1/4th)** \~ 11%
GOOG - 3.5%
NVDA - 7.5%
**CASH ON HAND (To Invest)** \~ 12%
First question - I’m wondering if my spread is considered “good” for the long haul or if you’d make any adjustments.
Second question - I’m wondering I’m too tilted in one direction / if I should be using this $ to begin balancing out my weighted averages. I’ve basically just been on autopilot buying VTI + a little QQQM the past 2 years. Maybe more in international? Open to suggestions here.
Third question - I’m wondering what the general consensus on investing securities into your Roth is? In 2025 I accidentally put GOOG and NVDA into my Roth instead of a separate brokerage account I have. I know there’s overlap with VTI and QQQM but I’m hesitant to sell it off & redistribute it or withdraw to allocate towards my brokerage due to a lack of understanding the rules.
Excuse me if these questions come across naive, very much a set it and forget it type of investor. Thanks in advance :)