u/Aggravating-Cry-986

Hey everyone,

I’m 20 years old and I’ve been thinking a lot about my investment strategy. I wanted to get some outside opinions before I fully commit.

Right now, I’m considering putting about 70% of my portfolio into QQQM and the remaining 30% into VXUS for international exposure. I’m planning to remove individual stocks and just focus on ETFs.

My thinking is basically:
- I’m young, so I can handle volatility
- I believe tech will continue to dominate over the next 10–20 years
- Even if there’s a big crash (like a dot-com type scenario), I have enough time to recover and keep investing

I understand QQQM is more concentrated in tech and will likely be more volatile than something like VOO, but I’m okay with that risk if it means higher long-term growth potential.

I’m just trying to figure out if this approach is reasonable or if I’m being too aggressive / missing something important.

Any advice or criticism is appreciated — especially from people who’ve been investing longer and have seen different market cycles.

Hey guys, I’m 20 and got into investing last year. Started testing the waters with $20 and kept adding more as I saw returns. Now I’m sitting on $15K in a HYSA and $15K spread across my 401k, Roth IRA, and individual brokerage.
My current priority is maxing my Roth IRA first, then putting whatever’s left into my brokerage. I’m investing about $1,625/month total, living below my means, and still living at home so my expenses are low.
My questions:
• At 20, should I be more aggressive with my investments or let compounding do its thing over time?
• Is my order of priority (Roth → brokerage) the right move?
• With $15K sitting in a HYSA, should I be doing something smarter with it?
Any tips on how to better manage and allocate what I have would be appreciated. Still learning but trying to set myself up right early.