I’m 28 M looking for advice with short/long term investing. Currently, I have a 401k through work and Roth IRA (both Fidelity).
401k is sitting around $8k in 100% FFLEX
Roth IRA 2025 (late start) and 2026 contributions are maxed out so I’m sitting around $14.5k in 80% VOO and 20% QQQM.
I have about 55k sitting in a HYSA and thinking about opening a taxable brokerage account. I would probably start with $25k and move it into a 70/30 VTI+VXUS split.
Looking for your thoughts on this!