I'm 36, just started investing within the past 3 months and so far I've put in \~14% QQQM, \~14% SPMO, \~14% VXUS, and \~57% SPYM.
Is this shit?? In particular, I'm not sure if it's worth keeping SPMO as it seems redundant to me? Was thinking of spreading out what I've put into SPMO into the other 3 and leaving it at that.
Also, does it make sense to put, say, 5% into a gold or silver ETF? the rise over the past year has been very enticing but I fear I may have missed much of the earnings and I'm not sure if it's worth putting money in them if my goal is long term gains