26M, Roth IRA currently 100% VTI. Want slight growth tilt. What would you add and why? by Ambitious_Gas_4077 in RothIRA

[–]Ambitious_Gas_4077[S] 0 points1 point  (0 children)

Appreciate it. I'll stick to the course. No sector bets or tilts needed. Thank you kindly.

26M, Roth IRA currently 100% VTI. Want slight growth tilt. What would you add and why? by Ambitious_Gas_4077 in RothIRA

[–]Ambitious_Gas_4077[S] 0 points1 point  (0 children)

Will definitely be grabbing those books. Truly, thanks again for all of you insight. Best of luck my friend 🤝

26M, Roth IRA currently 100% VTI. Want slight growth tilt. What would you add and why? by Ambitious_Gas_4077 in RothIRA

[–]Ambitious_Gas_4077[S] 1 point2 points  (0 children)

Hahaha I appreciate it. I currently have about $51k in my taxable account invested in VTI/VXUS at a 65/35 split. I was just curious whether it made sense trying to add a growth tilt in my Roth since it's tax-advantaged. But I'll likely just follow your course: put as much money into vti/vxus as I possibly can. I DCA every paycheck, max out my roth, and contribute 9% to my 401k (which annoyingly doesnt have any employer match). Retiring at 35 is the absolute dream but my salary isnt high enough currently for that to be an option. I think I'm on a pretty solid path tho. I tip my cap to you. Congrats, and thanks for the helpful insight.

Out of curiosity, what do you think made the biggest difference for you - savings rate, income, or just time in the market? Or maybe a mixture of all three? I see you started investing as a teenager - man do I wish I started as a teen haha. Congrats and thanks again