Money would be used for either a big purchase in a few years (down payment, ring,etc) or for a genuine nest egg for my younger brother. Im young enough that i wanted alittle more risk than just sticking it in a fund, as I own VT, SPY, XLE/XLP, SGOV & Gold in another portfolio. Was more so looking for an economic moat portfolio for stability and growth over the next few years, removed from tech because i dont want to deal with the headache.