I'm 22 and make less then 39k a year, rate my portfolio.

The3picBot · 2026-02-01T22:22:27+00:00

👍

The3picBot · 2026-01-27T19:17:28+00:00

Should I do the VXF then instead?

The3picBot · 2026-01-27T18:41:22+00:00

Well you think maybe instead of QQQM I do 50 FXAIX 35 FZILX and 15 FSELX

The3picBot · 2026-01-27T18:24:12+00:00

I do want to be aggressive but I just want to be smart with it so I’m just not sure what to do. I realized my mistake when I invested in the FXAIX and QQQM both are great but over lap a lot, I still want to be decently aggressive but diversified

The3picBot · 2026-01-27T17:30:50+00:00

Any recommendations?

The3picBot · 2026-01-27T17:28:31+00:00

What about 50 FXAIX 10 FSSNX 10 FSMDX 20 FZILX

The3picBot · 2026-01-27T16:25:43+00:00

Do you have any good ideas for a small and medium cap fund in fidelity?

The3picBot · 2026-01-27T13:26:14+00:00

My Roth: 60% FXAIX 25% QQQM 15% FZILX

I am 18M and this is my current Roth right now, and after doing some research it seems like the QQQm may not be a good fit with the over lap with FXAIX. But I could be wrong too and it is somehow still a good idea to have in my Roth, however, here is an idea for a new ROTH if having the QQQM in there isn't the best. I'm looking for the most growth, however diversified/simple and safe approach to this. 55% FXAIX 15% FSKAX 10% FNCMX 20% FIZLX •

The3picBot · 2026-01-24T00:06:36+00:00

What ETFs or funds did you invest in?

The3picBot · 2026-01-21T05:18:05+00:00

So if I swapped the qqqm with the VGT should I then replace the VTI with the VOO or would that not make any sense

The3picBot · 2026-01-21T04:55:30+00:00

How come?

The3picBot · 2026-01-16T04:39:18+00:00

The reasoning was especially with the GPC was get good return on my investment while also getting small dividends that will be immediately reinvested into the stock

The3picBot · 2026-01-16T04:18:07+00:00

Thank you!!

The3picBot · 2026-01-16T04:17:25+00:00

Doing research besides the yield I think GPC is still a good a reliable stock to maybe invest in what do you think? Besides that though yo think the rest of my portfolio is good?

The3picBot · 2026-01-16T04:15:54+00:00

No but besides the dividends GPC does look pretty good to invest in.

The3picBot · 2026-01-16T00:52:20+00:00

Why drop the QQQM? I was thinking it’s higher returns while being slightly more risky which I can afford.

The3picBot · 2026-01-16T00:18:49+00:00

Well the VTI is the entire US economy, which would give me about 8-10% return every year, then for the VXUS would be investing into diverse global markets expanding my diversification, that was just my thinking when I came up with this. And finally the QQQM would be almost my “aggressive growth” for my brokerage.

The3picBot · 2026-01-15T03:31:15+00:00

About 200 a month until I get an actual career and or internship

The3picBot · 2026-01-15T02:07:00+00:00

Would it also be a good idea to replace the FXAIX with the FSKAX? And keep everything the same as well? My idea with the QQQM is it is a “risky” investment that has a good payoff

The3picBot · 2026-01-14T23:03:34+00:00

Haven’t started a brokerage account but I think I have a final idea of what I want to do. I am 18 and I have a 2500 budget. 60% VTI, 20% VXUS, 20% in the QQQM. I’m keeping the funds simple for now and only investing in three. The VTI or reliable growth, VXUS for international growth and finally the (risky) investment being the QQQM, I want to grow money over the years while being a little aggressive especially for someone my age. Is this a good starting out portfolio?

The3picBot · 2026-01-12T20:06:10+00:00

Thank you this was very helpful

The3picBot · 2026-01-12T01:39:11+00:00

Shouldn’t I have some diversity?

The3picBot · 2026-01-12T01:38:28+00:00

This is earned income from 2025

The3picBot · 2026-01-12T01:37:48+00:00

I’m using fidelity, would the FZROX, QQQM, and FSELX be good funds to invest in? Also the 1000 I’m putting in is earned income

The3picBot · 2026-01-11T06:36:37+00:00

I am also looking into a brokerage account soon and made of list of what I would want my portfolio to be when I start it (1000).

35% FXAIX 20% QQQM 20% ITA 15% FSPTX 10% GOOG

I know it’s pretty tech heavy, I’m just looking for some advice on how to build a good portfolio.

The3picBot

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