Should I go 100% Vanguard ETFs at 23 to secure my future?

S&P 500 and always DCA.

Max out your Roth until it hits $50k before you’re 30. By 60, it should grow to around $3.2 million, tax-free.

Why SCHD? I don’t see a strong reason to tilt your portfolio towards value/dividends. I’d go 80% VTI and 20% VXUS for international exposure.

Max out your 401k match, ideally Roth 401k, then put everything you can into a Roth IRA (lump sum at the start of the year has statistically worked better than DCA).

Also, make sure you’re on the path to becoming debt-free and building up an emergency fund. You can keep it in high-interest savings, i-bonds, or even a gold ETF if you prefer. I personally use a Fidelity Cash Management Account with half of it in IAUM.

Bitcoin. It’s the only true scarce asset. No investment will give you better returns than Bitcoin. But take time to study it before investing.

FXAIX and FZROX and chill. :muscle:

VUG has been outperforming VTI in recent years. If you want more growth, go for it, especially since you’re young and have time.

Be careful with SCHD. Dividend taxes are high. VTI or VOO is your best bet.

If you want growth and don’t mind volatility, go for QQQ. It has given better returns over the long run, but you should be prepared for large swings.

Just stick with an index fund like VTI or VOO for now. Later on, you can adjust based on your financial goals and risk tolerance.