Hi all! I just turned 18 and want to start investing right away :>
timeframe: 15-20 yrs
capital: 10k usd
please give any advice and comments to educate me !
expected allocation:
70% VTI
20% VXUS
5% SMH
5% BTC
also looked into SCHG but idk where this comes into play
another question, i have about 10k usd saved up for investing, but how should i put the money in? lump sum or DCA? im scared of the market dipping as soon as i put all my money in and i dont have any liquidity but also i know time in the market is always better than timing the market so i need some advice on that. thank you all!