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Hello everyone. I'm currently 22 years old & in the military, and I'm pretty new to the investing community, specifically ETF's. I recently opened up a Roth IRA a few days ago, still in the 2025 period, maxed it out immediately, $7,000, which I'm placing into VOO. Today being the new year, I immediately maxed out my Roth again for the 2026 year, $7,500, and I'm also planning on placing it into the VOO. I also currently have about $6,000 in my brokerage account also in the VOO. Another roughly $3,000 total in a couple other companies, RTX, LMT, NOC, BAESY, but that's besides the point.
My question is, after seeing what a lot of people have been discussing, is **should I mix in VTI?** And to what ratio do most people recommend? Or should I be fine just sticking with VOO, and why so? Does it make a difference to focus my Roth IRA specifically with one or the other, while using my brokerage account for another? Lots of questions lol, so I apologize, just love to hear your guy's discussion and input. I still have a few days - week till all of the funds are fully available into my Roth account, (transferred from my HYS account), to then be eventually placed into one of the funds, so I guess the full 7,000 & 7,500 haven't been fully placed into the VOO yet, but currently planning on doing so when it becomes available in my account.
I also still have about $21,100 in my HYS account. I really only need about 10K for my 6-8 month emergency fund. I have a stable federal job, with yearly pay bumps, per diem, TSP (10K currently) account, etc. That being said, I plan on moving that extra $11,100 that I don't need just sitting there into my brokerage account also, and was wondering if I should halt VOO investments and pivot some of that into VTI?
Long winded, but wanted to give you guys, and gals, some context on my situation. Feel free to put me on blast too if I'm doing something wrong. Thank you all for your time!