I'm about 13 years away from retirement. No debts. Have a 6 month emergency fund in a HYSA. Maxing out the 401K and ROTH IRA (which are being managed by my financial advisor, so I treat them as a black box).
I generally have a decent amount of money leftover at the end of the monthly cycle. I'm wondering what's the most optimized way for me to make the most of it. Retirement is not the goal (that's taken care of by the tax advantaged retirement accounts), as it's just leftovers that I don't want rotting to inflation. Current plan is something like 50% VOO, 40% VXUS, and 10% SCHD, going into a separate non-qualified investment account (so not tax-advantaged.)
Is this a half decent plan, or can it be optimized better?