r/investing
Advice on portfolio breakdown 34m
34yo investor seeks advice on maximizing Roth IRA growth, weighing 100% VGT against diversified mixes of VGT, VOO, and SCHD.
- Long-term 25-year horizon supports aggressive growth strategies.
- Planned transition to dividends aligns with aging and risk reduction.
- Starting late may require taking on excessive risk to catch up on retirement savings.
I’m 34m starting getting into investing late.
403(b) - $11,000 doing company match, general S&P index fund
Roth IRA - $2,100
I’m looking for advice from someone that is starting “behind” but still young enough to have somewhat aggressive positions to maximize growth.
For my Roth IRA I am going to start maxing that out monthly, I want ideas on the breakdown.
I’m considering something like…
100% VGT
50% VGT / 50% VOO
Or
40% VGT 40% VOO 20% SCHD
I am curious on takes as far as if full sending VGT is a bad idea if I plan to buy and hold for \~25 years. My plan would be to maximize growth, and slowly transition into dividend stocks, or lower risk stocks as I near retirement.
I will also likely eventually inherit a sizable amount of money, but I don’t want to be reliant on that.