r/stockmarket
Roth IRA Allocation at 18 - Part 2: Revised portfolio After Feedback
18yo investor revised their Roth IRA portfolio to ETFs and seeks feedback on overlap and allocation percentages.
- Long-term investment horizon of 40+ years allows for riding out volatility.
- Diversified ETF approach reduces single-stock risk and avoids chasing hype.
I posted earlier in the week and got told my Roth had too much overlap, too many individual stocks, and not enough international.
I’m 18 and putting in $144/week, basically maxing it. Time horizon is 40+ years and I’m fine with volatility, but I don’t want to just chase random hype.
New allocation:
VOO - 55%
VXUS - 20%
AVUV - 15%
SOXQ - 5%
VGT - 5%
I dropped the individual stocks and lowered the tech tilt. I still wanted some semiconductor exposure because I think chips are important long term, but I capped SOXQ at 5% so it doesn’t take over the portfolio.
Main questions:
Is 5% SOXQ + 5% VGT too much overlap?
Is 20% VXUS enough international?
Is 15% AVUV too much for small-cap value?
Would you keep this or simplify it more?
Looking for honest criticism.