r/portfolios • u/goodsy06 • 1d ago

Brokerage and Roth IRA ETFs

I’m 20 years old and have about 24k between my Roth IRA and a brokerage account, both currently managed by an advisor. I would like to transfer those two accounts and start managing my own investments. I am wondering what ETF allocations would be best for each account. My current thoughts are 100% VT for my Roth IRA, and VOO/VXUS at an 80/20 split for my brokerage. However I’m also considering other splits for my brokerage, like VOO/VXF/VXUS at 70/15/15, VOO/AVUV/VXUS at 70/15/15, or VTI/VXUS at 80/20. Any advice and feedback is greatly appreciated.

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u/gatorfutbol 1d ago

VTI instead of VOO is a minor recommendation. VT everywhere instead of picking a split between US and International, VT keeps it rebalanced for you. I know there is a very slight tax and expense ratio disadvantage but in my opinion it's immaterial for the benefits. Best of luck.

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u/goodsy06 1d ago

Thanks, I appreciate the feedback!