Is creating a 5 fund sector for fun a bad investment idea?


All,

I am 26 years old and I am currently in the middle of restructuring my investments across accounts and need some advice! I have 3 investment accounts that hold about $80k+/- in total.
$60k of that is invested through Vanguard in a mixture of a traditional IRA, Roth IRA, and an i401k account. These accounts mainly hold Large Cap growth/value/total work market ETFS such as VTI, VOO, VIGAX, VVIAX, etc. etc.

The other $20k is a personal TDA account I have traded individual stocks with since I was 18. This account holds a mixture of 10-12 individual stocks and has performed quite well over the years.

My idea is to take this individual account and make a sectors play for fun and restructure the sectors every year as needed while contributing my Vanguard passively over time.

I want to split the TDA account into 5 sectors:

  1. TECHNOLOGY (SOXQ)
  2. ENERGY (ICLN / XLE)
  3. HEALTHCARE (XLV)
  4. FINANCE (XLF)
  5. STAPLES (XLP)

Is this a stupid play? Should I just liquidate my personal TDA account and just contribute it all to my retirement account? Thoughts?


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