IRA contribution?

[jobkastalu]

2 hours ago, Konebhar6 said:

I haven’t tried robo advisor but it should be decent. 401k funds are buy and forget. You don’t often get these opportunities of index down 20% in a month

This is what AI suggesting for the breakdown. Makes sense?

ETF	Index Tracked	Market Coverage	Expense Ratio	Suggested Allocation (%)
VOO	S&P 500	Large-cap U.S. stocks	0.03%	40% (Core stability, strong long-term growth)
SPY	S&P 500	Large-cap U.S. stocks	0.10%	0% (Since VOO is similar but cheaper)
VTI	Total Stock Market	Large-, mid-, and small-cap U.S. stocks	0.03%	30% (Broader diversification beyond large caps)
QQQ	Nasdaq-100	Primarily large-cap tech stocks	0.20%	20% (Higher growth potential, but more volatility)
Bonds (e.g., BND)	U.S. Aggregate Bond Market	Fixed income	0.03%	10% (Provides stability as retirement nears)

[ChanceCoffeeLover]

If you ask me, I would do

Growth - VUG / SCHG --> 25%
Nasdaq 100 - QQQM --> 25%
S&P 500 - VOO ---> 25%
Dividends - SCHD ---> 15%
Real Estate - VNQ --> 10%

[Sizzler]

9 hours ago, jobkastalu said:

India doesn't seem to recognize roth. if we have roth and wants to retire in india, india taxes on roth income again so we may end up paying double taxes on roth which meant be tax free in retirement.

Not sure how it works if you were to India. Thanks!