Question
23 years old and just graduated college. I’ve been investing consistently while working through school and recently crossed about $90k net worth with no debt. All of this is currently inside a Roth IRA.
Most of my gains came from long-term positions in tech and semiconductors like NVDA, AAPL, CRWD, TSMC, MU, WDC, along with holdings in QQQM, VOO, and SMH. I started contributing around 18 and definitely benefited from the AI/semiconductor boom and had some luck with timing, but I’ve mostly just stayed consistent and held through volatility.
I’m also getting ready to start a role at a very established and well known financial company, so I’ve been thinking more seriously about long term diversification and risk management instead of just chasing growth. Since it’s a trading/financial firm, I also have to be more careful with buying and selling and would need approval/compliance clearance before making certain trades.
My question is, would it be smarter to start trimming some of these positions and diversify more into broader index funds/retirement-focused holdings before starting at the firm, or should I continue holding my current positions long term since they’ve been strong performers for me?