Background first: I am a 20m college student with ~1000 in a roth and ~6500 in taxable (mostly from gifts). I have been investing since 2020 and have definitely learned some hard lessons along the way. The past 1.5 years I have greatly shifted focus from a quick buck to planning on never selling. Most of my taxable account is individual stocks with 10-30+ year outlook. Moving forward, all of my focus will be on my roth until I have 401k/trad IRA/have income above roth. I have followed this and other subs closely for a while and tried to learn as much as I can. I currently have my roth split across 5 funds which I want to ask about and be critiqued on.
All portfolio % based on 15-20 year timeframe, but will reallocate as I learn and change with time
1: SCHD, planning for 20-30% of my portfolio
2: VOOG, I have high risk tolerance as a young person and thus have chosen VOOG over VOO/VTI. Goal is 30-40% of portfolio
3:RWL: This acts as my exposure to value stocks, an S&P500 fund weighted by revenue rather than a traditional “value” fund. Goal 10-20%
4: ANGL: Bond exposure, still learning lots about this market. But I felt this was good initial choice to provide diversified corporate bond exposure and fixed income 10% goal
5: IYK: consumer staples ETF, consumer staples have a history of outperforming the market during periods of economic downturn. Exposure to this sector provides a nice buffer. 10% goal
With time I plant to add a limiting number of individual stocks, depending on timing, it would be no more than 15% of my portfolio, but my rough list is as follow: AAPL, F, KO, TM, UNH, COST, WMT, TGT, MSFT, MMM
As I near retirement I would rebalance my portfolio primarily through shedding individual stock as well as VOOG for either more SCHD, VOO, or VOOV.
Looking for any critiques and criticisms so I can continue to learn!
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