I have been using Google Gemini Ai for the past couple days to help me create a portfolio for the purpose of semi-retiring around the age of 45-50 and fully retiring at the age of 60-65. As most of you know Ai is very inconsistent and has given me conflicting information when creating my portfolio and I've noticed myself falling into analysis paralysis by trying to tweak my portfolio constantly. So far I have come up with a portfolio of-
Brokerage - VOO 55%, SCHD 20%
Roth IRA - QQQM 15%, AVUV 10%
The percentages are the weight of the holding in my portfolio. I plan on investing a minimum of $1k a month into this portfolio, potentially more when I make more money. Ai recommends to focus on total nest egg growth so I could partially benifit from dividends while partially selling VOO (selling under 3.5% annually to keep my account growth) to be able to semi retire. I am currently 23 and want to be able to spend my later years focusing on family and passions, I'm not looking to be filthy rich, just to make enough money to enjoy life without stressing about finances or working all week.
I am looking for advice and am open to critisism, am I missing anything? thank you for taking your time to respond.