34y/o, making a living but in a HCOL city. Have been contributing as much as possible since 2022 but haven’t been really able to max out contributions yet, hoping this is the year I start doing so with a side gig.
Looking for buy and forget approach, started adding gold to the mix a couple months ago to hedge for a bearish start of the year but plan on holding gold in the long term.
What are your thoughts on the funds I picked? Should I consolidate somehow? Am I missing some exposure to certain funds I should be looking at? Do I have a good enough mix to start adding a few dividend stock picks?