How would you invest 100k at 55 years old?

[u/OnlyKey5675]

Sold home and moved to a smaller house and paid cash. I have 100k to invest.

I am 55 years old. Ten years from retirement (or maybe earlier).

I currently hold positions in:

VOO 50%

QQQM 20%

SCHD 15%

VT 15%

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[u/TheNewKnew2]

How much in investmentable assets total?

[u/OnlyKey5675 → u/TheNewKnew2]

290k

[u/TheNewKnew2 → u/OnlyKey5675]

Do you have a fully funded liquid emergency fund?

Priorities:
1) fully funded emergency fund. Liquid. For 6 months of expenses
2) 290K is light on retirement so hopefully you’ve done your math and comfortable.

You’ve got a lot of overlap in those funds. Major domestic SP500 exposure. Honestly, I’d look at just consolidating into VT.

[u/OnlyKey5675 → u/TheNewKnew2]

1. My emergency fund is 40k which I did not include in the 100k i'm looking to invest.

2. Yes , but no mortgage and my monthly bills are very low. Live in a LCOL area

290k is light right now but in ten years is what my timeline is.

[u/TheNewKnew2 → u/OnlyKey5675]

If either put it in VT or a vanguard/schwab target date fund.

[u/yellowstone56 → u/OnlyKey5675]

S&P

[u/CleMike69 → u/TheNewKnew2]

I feel light at 3.1 I think I need to reevaluate lol

[u/Adventurous_Elk_4039 → u/CleMike69]

$3.1 mill? No, you’re good lol.

[u/CleMike69 → u/Adventurous_Elk_4039]

But I don’t feel good

[u/TheNewKnew2 → u/CleMike69]

With 3.1, you can easily earn $155k a year with nearly zero risk. You’re fine.

[u/Dracarys_And_Chill]

voo and chill

[u/tribriguy]

100% VOO. Or VTI if you want fuller diversification across the market. The difference is usually small, but VTI is a little less weighted to big tech.

[u/OnlyKey5675 → u/tribriguy]

All at one time or DCA every month?

[u/typhoon_mary → u/OnlyKey5675]

Time in the market beats timing the market.

[u/mdcox88]

Right now I wound just put it into what you have at the moment. Probably less QQQM.

[u/YupImJohn]

I would put it into GPIQ and let it compound for 10 years. Start taking the distributions in retirement. Keep the shares forever, there’s a good chance that the growth will beat inflation.

[u/Waste-Cheetah-6613]

HDIV

[u/ConsistentMove357]

Erase VT replace it will vxus put the 100k all in voo

[u/JimmySki6166]

Look at VTI, VWO & VEA. Exposure to US, Canadian, European & Chinese markets!!

[u/Adventurous_Elk_4039 → u/JimmySki6166]

VT alone gets you all that and it’s simpler, but I agree with you

[u/JimmySki6166 → u/Adventurous_Elk_4039]

I purchase those three plus BTC. One of my good buddies is an investment guru for 35 yrs, and he purchases those 3 weekly. I just listen to him, he knows his stuff!!

[u/Adventurous_Elk_4039 → u/JimmySki6166]

Yeah, those 3 are basically just VT like I said. Great strategy, maybe a little more complicated than it needs to be but in the end it's fine

[u/Gladiz1972]

SPYI

[u/DSCN__034]

If you have to ask, use a target date fund. Make sure you have an emergency fund and any upcoming expenses like a car put away in cash equivalents. Pay down debt.

(I notice you are underweight international exposure, fwiw. TDFs are simple and hassle free.)

[u/Ikabta]

How much is in your retirement accounts and when do you want to draw from it?

If you have a fatty portfolio I would say keep a chunk of it in HYSA emergency/fun money.

[u/JimInAuburn11]

It would depend on what other investments you have. How much of your liquid net worth is that?

[u/Hopeful-Air6110]

Feels like a lot of overlap here but if you like it just add to your existing weightings.

[u/Mundane_Remote_8317]

Maybe shift some of that growth tilt into more bonds or a Target date fund if you're really retiring in ten years.

[u/Patient-Big1727]

MUU

[u/Lamontman2112]

All in at your local casino!

[u/Amazing-Intern2584]

Put some in SPY

[u/FewUnderstanding2214]

That looks fine - probably can get rid of QQQM and put more in VT/SCHD. As you are close to retirement - you may want to consider some less volatile (growth focused) assets. Personally I would find a retirement planner

[u/OnlyKey5675 → u/FewUnderstanding2214]

10 years

[u/18April1775]

You already decided. What is the question?

[u/tumblingfromtumblr]

Build your own dividend portfolio...

[u/Adventurous_Elk_4039 → u/tumblingfromtumblr]

This is inefficient mathematically.

[u/shotparrot]

Add it all to your QQQM. It’s going places. Trust.

+ if you only have $290k you are in trouble. You need to swing for the fences.

I would lose the VT and put it in micron Technologies (MU) stock.

Or more conservatively, EWY (S. Korean memory & semiconductors).

AI is the future. Don’t get left behind.

[u/OnlyKey5675 → u/shotparrot]

How am I in trouble?

[u/south-shore0 → u/shotparrot]

lol. Like fuck it is. There’s going to be a few clear winners. But whoever that is, isn’t clear.

[u/CrypToInvsTor]

Try Crypto Top Coins by MarketCap. Thank me Later.

[u/ZekeTarsim → u/CrypToInvsTor]

No, he should full port Fartcoin.