Investment portfolio tips for a beginner

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InvestNoob

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InvestNoob
Nov 14, 2021 12 Comments

I'm 21 and started "investing" (a.k.a buying and holding ETFs) in July. I have been DCA-ing every week, and so far my allocations are 60% VTI and 40% QQQ in my taxable accounts, 100% 2065 Target Retirement Fund in my 401K, and 100% VIIIX (think this just tracks S&P 500) in my HSA. There is obviously an emphasis on tech here, and coupled with GOOG RSUs, I feel I might have a bit too much exposure to tech. Does anyone have any suggestions for any other ETFs that I should incorporate in my taxable accounts (if so, what %?), and/or if I should tweak my existing allocations? My goal for now is to set up a solid base of 1 million (random number, subject to change) in relatively safe ETFs that can get me a return that keeps up with inflation, before I incorporate any risky bets such as crypto, individual stocks etc.

#personalfinance #investments

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