Posts  / #POST-219842
REDDIT

Sanity Check My Roth IRA Rollover Plan

F
Feb 15, 2026 · 15:29

I just had a Roth IRA rollover clear and I'm ready to put this lump sum into a portfolio for the next forty years- just kind of forget about it.

I currently have VOO and VXUS in my Roth IRA, as well as a separate brokerage account that holds NVDA and TTWO. As you can see, I am relatively tech focused.

So here's my plan.

I want to go 70% US, 30% International, where in the US side of things, I am going 80% large caps, and 20% mid/small caps.

56% VOO

14% VXF

=70% US

and then,

30% VXUS

What are we thinking about this plan? I need to mention, I am 25, I live in America, and I recently bought a house with my fiance and we have a mortgage together.