Funds / ETFs (70%)
• VTI 35%, VOO 35%, SPY 30%
Tech (9%)
• GOOGL 20%, AAPL 35%, TSLA 25%, MSFT 20%
Retail (7%)
• WMT 26%, COST 26%, AMZN 28%, BABA 15%, HD 5%
Consumer (7%)
• JNJ 20%, DIS 20%, KO 15%, MCD 15%, ABNB 15%, PEP 10%, NKE 5%
Industrial / Tech (3%)
• NVDA 25%, BA 23%, MMM 24%, TXN 15%, GD 8%, INTC 5%
Finance (3%)
• MA 17%, JPM 15%, V 17%, EQIX 12%, PYPL 17%, XYZ 12%, COF 6%, O 4%
Random (1%)
• NIO 36%, ICLN 20%, STEM 22%, SOLV 16%, FCEL 6%
I’m 26. I built my Roth IRA about 5 years ago, never really touched it, and it’s up about +112% overall. I know it’s overcomplicated, and I want to simplify going forward. Thinking of 80% VTI, 10% VXUS, 10% Indiv stocks. Should I rebalance now by selling, or gradually via new contributions? Roth ira is woth M1 Finance is that safe long term or should I move to somewhere like Fidelity?