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REDDIT

Retirement Portfolio Review (Long Term)

N
Feb 19, 2026 · 02:57

Hey all,

I’m 24, long time horizon (10–15+ years minimum, realistically 30+), high risk tolerance, and planning to set this up in AustralianSuper Member Direct and not touch it.

Current balance: \~$60k

Ongoing contributions: \~$30k/year

I want a very aggressive portfolio with strong growth.

Here's what I think the allocation should be:

* 30% IVV (S&P 500)
* 25% NDQ (Nasdaq 100)
* 15% VAE (Asia ex-Japan – covers China + India exposure)
* 15% VAS (Australia)
* 15% QAU (Gold)

Any Suggestions/Critiques are highly appreciated!


Thank You!