I finally am trying to take control of my money and have a pile of cash to invest. I've been trying to educate myself on how to pick some funds, but as I do, I'm still not sure how to confirm I'm diversified enough or my risk allocation is right. I'm 43 with considerable health issues that put me close to 55-60 I feel. I only have a taxable account. And here is what I'm thinking:
VOO: 30%
SCHD: 30%
QQQM: 15%
BND: 15%
IBIT: 5%
Risky plays like Hood, PLTR, Uber, NVDA, etc: 10%
I will also put 1 year of expenses in a HYSA or other highly liquid option.
And now the big question, when to actually invest. I feel like things need to chill out a bit before getting in, but I have already missed out on so much last year.