Hi, I've recently begun investing, and I'm looking for some confirmation that I'm on the right track or guidance if I'm not, and advice on how to improve. TIA!
I'm 32 with no kids, currently I have a 401k, HSA, two Roth IRAs (sofi robo and self directed), and will be opening a taxable account before next quarter to take advantage of espp. I'm contributing 8% (with 6% match) to the 401k, and maxing the HSA and Roth with a 44% total savings rate, no debt, and a 8 month emergency fund.
The 401k and hsa are invested in VTTSX, and my self directed Roth is a mix of voo, qqq, gld, and a couple % worth of individual stocks. I got the robo account for it's automation and simplicity, but now I'm wondering if the .25% expense ratio and its use of more expensive funds is worth it, and whether I should just move everything to the self directed account? If so I would want to simplify my portfolio to make it as hands off as possible (so I don't screw it up) and increase diversification/reduce overlap. QQQ and GLD have done well for me so far with returns of 31% and 52% so it feels bad to sell them, but I'd rather do what makes mathematical sense long-term (I'm an engineer if you couldn't tell...) vs hoping I stay lucky.
Does a Roth IRA consisting of ~70% VOO and 30% VXUS make sense? Should I sell gld to buy VXUS (for instance), or just slowly add those shares every month? Does it even make a meaningful difference? And my last question: is there a reason not to have the same exact portfolio in a taxable account vs IRA?
Thanks y'all