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REDDIT

Rate my Roth IRA split, just opened my account and haven’t put anything in yet, just looking for advice.

P
Aug 16, 2026 · 00:59

I currently am only looking at ETFs and mutual funds, I’m 19 so I’m ok with some volatility since I’m investing very long term. Here is how I’m planning to distribute:

40% VOO (S&P 500)

10% QQQM (NASDAQ top 100, ai/tech heavy)

10% FSTA (large, mid, small cap, focused on consumer staples)

20% FZILX (large, mid, small cap foreign markets)

5% REXC (international rare earths except China)

5% COPX (international copper)

5% XLE (energy/gas/oil mainly interested in the Exxon Mobil holdings)

5% XLI (heavy manufacturing [mainly interested in their caterpillar and by proxy solar turbines holding (huge energy subsidiary of caterpillar)]

investing with fidelity if that matters