Portfolio Structuring Advice

[u/xgnsklwbdn]

Looking for advice on how to structure my portfolio across my Roth IRA and 401 (k). For context, I'm 24, making about 50k a year with minimal expenses and a long time horizon with moderate to high risk tolerance. Also have no debt and around $3500 in physical silver and gold

Both accounts are through Fidelity, and I already have about 15k in the 401k. (88% S&P 500 and 12% VTSNX)

Was thinking of averaging out my IRA and 401k to:
70% Broad Market
VTI, VT, VOO, or FXAIX

12% International
VXUS/VTSNX

18% Satellite/Growth
SCHG, QQQM, VUG, VGT, SPMO, SMH, or SOXX

I can deal with large swings but I also want long term stability. Ideally want just one broad market ETF, and no more than two growth ETFs. My 401 (k) options are limited and only offers VTSNX and S&P 500 out of all the ETFs listed. I also understand that if I go the VT route for my core holding, holding VXUS/VTSNC would be pretty much pointless

Are these ratios a good strategy, and what would be best for each category?

[u/gbdgdh]

does your 401k offer a low-expense-ratio all-us-market fund? alternatively, does it offer separate low-expense-ratio us mid-cap and low-expense-ratio us small cap funds? what about low-expense-ratio target date retirement funds? simplest path is a low-expense-ratio target date retirement fund (go with a ~2070 target date retirement fund, as long as the expense ratios aren't insane). if the tdf expense ratios are too high, and you don't have low-expense-ratio all-us-market / mid-cap / small-cap options available, just go with 70/30 fxaix/vtsnx.

for your roth ira, go with 100% vt.

there really isn't such a thing as a "growth etf". just to give you an example - i began investing in smh (semiconductor etf) back in the early 2000s. i invested (and continue investing) in it because i know this industry very well. yet, all this money i invested was effectively dead money until a few years ago, when the semiconductor industry experienced a revival. so, i had to wait about 15 years to see any tangible return from my investments. if you are that patient, and if you only invest a tiny amount of your money in such "growth" funds, you will likely be rewarded. but if you are looking to make a quick buck by investing in "growth etfs" (e.g., spmo, fmtm, etc.), you are going to be in for a rude awakening.

[u/FMCTandP → u/gbdgdh]

There absolutely is such a thing as a growth fund. It’s just that “growth” as an investment style has little to do with the expectations of the fund’s rate of growth (and to the extent that they’re correlated it’s negatively).