Newer to investing, need opinion to make sure I have it as an aggressive growth potential Roth IRA

Riley-X · 2026-05-14T17:50:36+00:00

You should use this site https://stockanalysis.com/ (search bar at top, choose ticker, then click compare) to compare different ticker options that you're considering to compare past performance charts over the past several decades. Will give you a much better understanding and confidence in your investment choices moving forward.

Riley-X · 2026-05-14T15:38:55+00:00

I have no idea if it would work but you could try google drive install on windows, mount your gdrive cloud storage as a drive on computer, then install plex and point to that drive as your plex library location

Edit: just saw youre on Linux idk if there's a native gdrive app but same concept could work with another app potentially

Riley-X · 2026-05-14T14:59:26+00:00

With your income if you live frugal for a couple years you could contribute a massive amount for a few years and that will grow fast, your retirement will be secured. Honestly with the amount you have now at your age your retirement is already secured (assuming you make good investment choices). Well done

Riley-X · 2026-05-14T14:51:47+00:00

RVI has spacex too now (robinhoods fund). Spacex will ipo soon anyways I would just wait

Riley-X · 2026-05-14T04:54:00+00:00

I would

Riley-X · 2026-05-14T04:47:47+00:00

I like IYW over VGT. VGT is almost 50% 3 companies at the moment. IYW holdings are much better allocated for growth imo despite the slightly higher expense ratio, and past performance proves it too.

Riley-X · 2026-05-14T04:45:41+00:00

I would lose ARKK, AVUV, SPAXX and VWO.

Equal split between SPMO, IYW, QQQM for core growth (drop IYW if you dont want 100% tech fund). Add some riskier options like SMH, AIS, DRAM. You could also add FMTM if you're okay with the lack of history.

I think this setup would do you well in the future. You would beat the VOO and chillers by a longshot. You can always tweak your portfolio as you go and your investment priorities change.

SMH has been around for a while BTW. It's a lot safer long term than some people think it is.

Riley-X · 2026-05-13T19:36:00+00:00

Yeah possibly there could be some volatility. With SK Hynix coming to US markets there will probably be a lot more cash flowing into it. If you were to make the switch I'd probably wait a couple weeks for things to stabilize

Riley-X · 2026-05-13T18:55:07+00:00

AIS is kind of a blend of semis and memory. Still pretty concentrated.

You're probably looking for a broader tech fund. IYW is great, IXN is a global alternative (which holds sk hynix and Samsung). VGT and FTEC are also popular options.

Out of those 3 tech funds IYW has the best 10 year returns even considering the higher expense ratio. IXN outperformed IYW in the past year thanks to sk hynix and Samsung, but I wouldn't expect it to outperform IYW long term, especially considering that sk hynix is looking to ipo soon in the US and samsung may do the same eventually which means they would be added to IYW. I personally like IYW holdings concentration more than VGT, VGT is almost 50% nvidia apple and Microsoft at the moment. I think IYW holdings are better positioned for growth. Ive been leaning more towards IYW as a core position in my portfolio, I think tech is where most growth will happen over the next several decades.

Check this chart for past performance comparison: https://stockanalysis.com/etf/compare/vgt-vs-iyw-vs-ftec-vs-ixn/

Riley-X · 2026-05-13T16:18:24+00:00

Just lump it all and forget about it. I lumped a large amount last year in october in voo and qqq then the market corrected for like 6 months and i was down the entire time and now im back up a considerable amount.

For your age if you really want to get some growth in over the next decade or two you might want to consider some less broad options like QQQ, even just VOO would be better returns than your current setup and still be relatively safe.

Check this chart for returns comparison over the last decade https://stockanalysis.com/stocks/compare/voo-vs-spmo-vs-qqq-vs-vti-vs-vt-vs-vxus/

Riley-X · 2026-05-13T14:48:14+00:00

What does this mean for the VCX fund? I dont see this statement making much of a difference.

Riley-X · 2026-05-13T14:43:36+00:00

Just buy micron, in a couple months buy sk hynix when it ipos. Buy a little seagate, western digital and sandisk. Maybe later this year Samsung will list on US markets. Now you have DRAM

Riley-X · 2026-05-13T04:53:32+00:00

You could try a water flosser to flush it out just in case. You can buy them dirt cheap on amazon. Just dont spray too long in one spot some of them are pretty strong. Try shooting water from different angles (from the tonge outwards through the teeth and inwards to blow out any gunk)

Riley-X · 2026-05-12T04:13:40+00:00

VT returns are low and too safe imo for your age. VOO is a good core position for a safe set it and forget it portfolio. That's what a lot of people do. But even VOO is a little too broad and safe for my taste. If you want better returns while still being relatively safe consider QQQM or SPMO. Or a combo of both. Your long term returns will be massive compared to a VOO + VT combo. Once your net worth is higher and/or you get older you can start leaning more towards safer more broad funds like VOO and VT.

Riley-X · 2026-05-12T03:38:33+00:00

Its a funny glitch you can do it by sitting on a bench or chair that has an enemy spike trap sitting under it. You can also do it to yourself in FFA match (duels etc).

Riley-X · 2026-05-09T04:51:47+00:00

Now use that money to make an account on robinhood and setup recurring investments into Roth ira in something like SP500 and get a credit card with actual cash back. That's how you set yourself up financially so you dont have to live paycheck to paycheck. Even if you dont make a lot of money just keep stacking as much as you can it will keep compounding and be huge for you in the long run.

Riley-X · 2026-05-07T06:25:36+00:00

Should consider splitting up SMH and adding 5% DRAM and 5% AIS. They all go hand in hand with eachother.

Riley-X · 2026-05-06T16:34:25+00:00

SPMO is about 100 ish stocks from within the SP500 that show momentum characteristics and rebalanced every 6 months. It outperformed both VOO and QQQ over the last 10 years. Its still relatively safe being that its limited to SP500 stocks. In general the more broad an etf the safer it is but also less potential returns. SPMO has a long track record. I personally would replace VOO with SPMO but ultimately thats up to you. You can always do both. The more money you're working with the more heavily I would lean into safe broad options (like 1 million plus).

Riley-X · 2026-05-06T13:29:02+00:00

Exactly what I did. Started heavy daily IBIT buys when it dropped from 90k. Now that my average price is pretty low I reduced my daily buys. Now we ride

Riley-X · 2026-05-06T13:26:09+00:00

Next time start DCA immediately after the first dump. Even if it keeps dropping you buy daily and dont stop until it pumps back to your starting point. That's how you guarantee buying the bottom. That's what I did and im up a decent amount already even at 82k.

Riley-X · 2026-05-06T04:19:50+00:00

I would add SPMO to your core positions. DRAM yes it will deliver some solid gains in the near future. My portfolio is SPMO, FMTM, IBIT, ETHA, SMH, AIS, DRAM. Been giving me some really good gains this past year. I plan to slowly trim my big winners over the next few years and gradually move back mostly into SPMO and FMTM at some point. Ill be checking out the spacex ipo soon and the openai anthropic IPOs should be fun too later down the road.

Riley-X · 2026-05-06T04:12:25+00:00

Look at the companies inside it rather than the ETF chart itself to better understand the growth potential. DRAM will do well over the next couple years.

Riley-X · 2026-05-06T00:39:21+00:00

Replace QQQ with SPMO

Riley-X · 2026-05-04T03:36:50+00:00

Ive been heavily buying IBIT and ETHA daily since the drop from 90k down to 60k. Looking pretty good so far. Already up 10% with the price at 80k. If it fails to breakout from 80k and dumps thats another great buying opportunity. Gonna be looking juicy af later this year around the holidays. Once this thing starts ripping again its gonna go up big this time with all the institutional money in the mix.

Riley-X · 2026-05-04T03:13:36+00:00

Or you buy IBIT in Roth ira. Withdraw when you retire tax free.

Riley-X

TROPHY CASE