So I would like to put the 75% in VT and the 25% in SCHD, then start with less money (but gradually increase every month after the first 2 ETF) the QQQ one and do a bond.
I think that the VT is great for the diversification, the SCHD create an income that I can use for invest more and QQQ is based on the technology, that is always gonna improve in the future, cause the entire world is based on that now.
The bonds is for create stability
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