[USER]

I’m considering long-term investment strategies within my Roth IRA. I’ve heard a lot about VOO (Vanguard S&P 500 ETF) as a solid, low-cost option that could potentially build significant wealth over time.

25 Year Old Male With Roth IRA would love your opinion. In the IRA should I focus on VOO?

Roth IRA
VGT 45%
VTI 35%
VNQ 10%
Taxable Account
VOO 100%

Given my age and the tax advantages of a Roth IRA, would it be wise to focus primarily on VOO? Or would a diversified approach with other ETFs or assets better suit someone starting out?

I’d love to hear from those who have experience with Roth IRAs or similar investment accounts.

What factors should I consider before committing to a single ETF versus a more diversified portfolio?

[Tom]

At your age you need to be aggressively seeking growth.

[Bill]

I’d replace the VNQ in your IRA with something that gives you some overseas/global exposure. Also, over the long haul, VOO beats VTI.

I might modify the allocation to VOO 50% VGT 30% VT 20%
VOO is perfect for a taxable account as the turnover is extremely low.

[Ben]

I almost want to say 100% into Voo/vti. It’s fine to have vgt and vti but I’m not exactly a fan of vnq. I am mostly in growth because I’m around your age (28).

[Author]

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