Hope this helps- my Vanguard Digital Advisor has 96% of my portfolio in the ETF's - VTI, VXUS to make sure there is no overlap, and the remaining 4% in two bond ETF's. The algorithm reinvests for you and I feed it 1k a month & here is the kicker - in 10 months it went from 225k to 296k, & while I could keep this structure I am thinking of transitioning to SCHD, QQQM, and VGT. This will allow more mega growth, but when it's time to retire in 10 -15 yrs I can shift as much $ I need to into SCHD to live off of the dividends. Wonderful post, & you made a new subscriber here - You rock!
Thank you so much for subscribing! It sounds like you’ve built a solid foundation with VTI and VXUS, and transitioning to SCHD, QQQM, and VGT could definitely bring more growth potential. Your plan to shift into SCHD for income in retirement is a smart move for long-term sustainability! Keep feeding that portfolio, you're on the right track!
![Are You A DIY Retirement Planner? Four Things You Need to Know [Joe Knows Retirement, Episode 67]](http://i.ytimg.com/vi/Iuse4oYeOk8/mqdefault.jpg)
Hope this helps- my Vanguard Digital Advisor has 96% of my portfolio in the ETF's - VTI, VXUS to make sure there is no overlap, and the remaining 4% in two bond ETF's. The algorithm reinvests for you and I feed it 1k a month & here is the kicker - in 10 months it went from 225k to 296k, & while I could keep this structure I am thinking of transitioning to SCHD, QQQM, and VGT. This will allow more mega growth, but when it's time to retire in 10 -15 yrs I can shift as much $ I need to into SCHD to live off of the dividends. Wonderful post, & you made a new subscriber here - You rock!
Thank you so much for subscribing! It sounds like you’ve built a solid foundation with VTI and VXUS, and transitioning to SCHD, QQQM, and VGT could definitely bring more growth potential. Your plan to shift into SCHD for income in retirement is a smart move for long-term sustainability! Keep feeding that portfolio, you're on the right track!
Thanks for content
My pleasure
Love your channel - just subscribed & can't wait to dig though your posts @@InvestorIntellect12
Great VDO❤
Thanks