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REDDIT

Investing Opinions for Recent Grad with little student debt

T
May 28, 2026 · 01:16

Hey All. I recently graduated and acquired a full-time position and want to start really investing my paychecks. I have an account with like $10K that I’ve kinda done mainly individual stocks and tried to time the market and AI and all of that stuff and I’ve ultimately decided to just take the safe road. I am wondering what portfolio split to build, not necessarily what stocks. I’ve been thinking something like: 95% ETFs, 5% stocks. Those 95% ETFs maybe like 65% VTI, 20% VEA, 10% other ETFs for sectors I like (Energy, Biotech), and then for stocks I’d research and do DD for individuals ones. What are your opinions? Does this seem like a reasonable split, should I take more or less risk? I’ve been getting into stock research as a hobby but please, any help and guidance is appreciated!!!