Personally, this is how I would build a portfolio at different risk levels.
I don't think there is one perfect allocation for everyone, but this is what makes sense to me. I would increase Bitcoin and semiconductor exposure as I become more comfortable with risk, while reducing gold and broad-market ETFs. QQQM stays at 20% because I would like to keep some Nasdaq exposure at every risk level.
|Risk Level|Gold|VOO / VT |QQQM |SMH|Bitcoin|
|:-|:-|:-|:-|:-|:-|
|1 (Very Low)|40%|40%|20%|0%|0%|
|2 (Low)|35%|35%|20%|5%|5%|
|3 (Moderate)|30%|30%|20%|10%|10%|
|4 (High)|25%|25%|20%|15%|15%|
|5 (Very High)|20%|20%|20%|20%|20%|