After watching Schwab Investment day this spring and learning bits and pieces, I've come up with an ETF- driven investment plan I am considering using with about 3.5 to 4K per month USD. I'm pretty new to buying stocks and ETFs but have the lofty (crazy maybe?) goal of getting as close to 1M in 10 years as I can. I also tried to incorporate information in the recent Goldman Sachs report this spring, 2026.
Here are the percentages, which I realized I have to do using a brokerage that allows the purchase of fractional shares given that these are a percentage of a total dollar amount. Please share your insights this long term plan.
This is numbers based on 3.5K USD monthly. I've thought of investing in helium also, .
VOO (US Large Cap): 25% ($875) DXJ/EWJ (Japan Equity): 8% ($280) VWO (Emerging Markets): 5% ($175) INDA (India): 3% ($105) AVUV/VTWO (Small Cap): 8% ($280) ITA/KDEF/EUAD (Defense): 12% ($420) XLU (Utilities): 8% ($280) COPX/URA/REMX (Commodities): 11% ($385) GLD/GDX/SLV (Precious Metals): 9% ($315) CVX/OXY (Energy): 4% ($140) BND (Bonds): 2% ($70) SGOV/VMFXX (Cash Reserve): 5% ($175)
So that comes to 42K USD per year.
If it's a good plan I would check on it quarterly for things that suggest making adjustments:
Oil < $90/bbl: Reduce energy, increase VOO. S&P 500 correction (-10%): Deploy cash to VOO. Inflation > 4%: Increase utilities, gold, commodities. Iran War ends: Major rebalance; reduce energy/gold, increase growth. Gold > $5,500/oz: Take partial profits. Fed cuts > 100bp: Reduce cash, increase equities. China rare earth embargo: Increase REMX, MP Materials
I'm trying to think about taxes, too so:
Roth IRA: Highest growth assets (COPX, URA, KDEF, AVUV, GDX). Traditional 401k/IRA: Income-heavy (XLU, BND, dividend payers). Taxable Brokerage: Tax-efficient (VOO, VWO, EWJ)
I want to say thanks to the community for helping one another. I read someone's comments that Nebius looked good and gave reasons for a string likelihood of an increase in value, and while I know I can't take everything I find on the internet and implement it, I bought some of their stock then and the value has doubled... followed by some volatility. I prefer not to invest directly in AI companies except that instance. That's why I'm trying to invest in the building blocks.