I’m 24 and fully accept time in the market beats timing the market. But all my accounts feel repetitive. Is there anything you’d do differently? Brokerage: 60% VTI / 40%VXUS ROTH Ira: 55% VTI / 20% VXUS / 15% AVUV / 10% SPMO House Deposit (7-10 year target): 55% VTI / 20% VXUS / 15% SGOV / 10% VGT 401k: 55% FXAIX / FSMDX 15% / FSSNX 10% / FSPSX 15% / FSEMX 5% (rlly considering dropping this as I’m looking more at the ER and 0.74% is Wild) It feels so repetitive and I’m not sure if there’s anything else I can change or adjust. I like diversity, but when all your portfolios are invested in similar things is that feels very “dumping all your eggs into 1 or 2 baskets”
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