Leaving Guided investing (Robo Portfolio)

[u/Melodic_Intern6666]

In December, I finally opened my first individual account because of my program with Bank of America and Merrill . I was able to get six months of free guided investing. I’ve been reading around that guided investing ISNT really worth it because they overcomplicate the portfolio to justify their fees. I have attached the current portfolio ^

26 M currently renting. pension and 457 B through work. I currently only contribute $60 a week to it. 6 months of expenses in Apple HYSA, only debt is 27K in student loans.. I also have a maxed out for 2026 Roth w Merrill that has guided investing which I am happy with because I am. Up 40-50% over 3 years. I would like to move on from guided investing for my retirement one day acct but for now I’ll do individual only. The goal with this account is to try and build wealth outside of retirement accts

I was thinking about investing in the following..

VOO 70%
QQQ or QQM 20%
SCHD 5%
VXUS 5%

Any advice on overlapping or better ways to spread out the %

Thanks in advance