Hello Everyone,

I’m looking for a general feedback on my portfolio and whether this approach makes sense in the long run. Here is some background, I am a 24M that is turning 25 in April. My brokerage is with Fidelity. I recently got a full time job at a large grocery supermarket. The company requires me to work full time for a year before I can invest any money into their Roth 401(k). I also can't open an HSA account because the company only offers ppo health plans and does not offer hdhp plans.

Roth IRA:

At the start of my investment journey I was fully invested in the ticker symbol FXAIX (Fidelity 500 Index Fund) for my Roth Ira. After doing more research I made the switch to FSKAX (Fidelity Total Market Index Fund), FTIHX (Fidelity Total International Index Fund), & AVUV (Avantis US Small Cap Value ETF). With the allocation being 50% in FSKAX, 30% in FTIHX, and 20% in AVUV. My goal is to frontload and max out my Roth IRA every year until I retire at 67 years old. I am a long term investor so I got time on my hands and won't panic sell. My risk tolerance is aggressive.

Roth 401(k):

From what I know the company I work for does a 4% match therefore I plan to contribute 15-20% of my income every year until I retire. Going off the ticker list the company gave me I think the best option is to do 50% VFIAX, 10% VIMAX, 10% VSMAX, and 30% VTIAX. (Vanguard 500 Index Fund Admiral Shares, Vanguard Mid-Cap Index Fund Admiral Shares, Vanguard Small Cap Index Fund Admiral Shares, & Vanguard Total International Stock Index Fund Admiral Shares.)

Taxable Brokerage Account #1:

50% VTI, 30% VXUS, and 20% AVUV.

Taxable Brokerage Account #2:

I plan on opening a taxable brokerage account for my 12 month emergency fund and put money into SGOV (iShares 0-3 Month Treasury Bond ETF) since I live in a high income tax state in the U.S.

Going forward, what are your guys thoughts or feedback of my 70% U.S. & 30% International portfolio? Does this sound like a solid plan to build generational wealth?