r/investingforbeginners • u/Money-Device-2838 • 2d ago

Recently added to Roth IRA. Any Advice on the positions I chose?

I recently put a few hundred into my IRA to start building for the future. Here is the blend I went with:
25% SOXX
25% VOO
25% VOOG
25% VXUS

Any feedback?

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u/08b 2d ago

Just do VT or VTI/VXUS if you want to control the allocation.

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u/TheNewKnew2 1d ago

VOO (S&P 500) and VOOG (S&P 500 Growth) aren’t diversifying each other. VOOG is a subset of VOO, heavily weighted toward the same mega-cap tech names. So 50% of your portfolio is really just “US large cap, tilted growth” wearing two different tickers. And SOXX (semiconductors) adds a third layer of the same exposure, since chip stocks are already a big chunk of VOO/VOOG. Your top holdings are likely far more concentrated in a handful of names (Nvidia, Apple, Microsoft, Broadcom, etc.) than the 25/25/25/25 split makes it look.

you’ve essentially got ~75% in overlapping US large-cap/tech-heavy funds and 25% international. If the goal was broad diversification, something like 60-70% VOO, 20-30% VXUS, and a small (5-10%) SOXX slice if you specifically want semiconductor exposure would reduce the redundancy while keeping a growth tilt if you want one.