SMH BTC VUG VOO
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I’m 36, married, and investing with a roughly 20–22 year time horizon. I’m comfortable with volatility and mainly focused on maximizing long-term growth.
Current contribution setup:
My 401(k)
Invested in VUG
Employer contributes 3% automatically
I’m currently not adding my own employee contribution
Wife’s 401(k)
Invested in VOO
She contributes 5% of salary
Employer match is 4%
Roth IRAs
We plan to max both Roth IRAs every year
Contributions are split 50/50 between:
Bitcoin ETF exposure
SMH / semiconductor ETF
General approach
No bonds right now
No international funds right now
Very aggressive allocation
401(k)s are carrying the broad U.S. market / growth exposure
Roth IRAs are being used for the highest-growth, highest-risk part of the portfolio
Main question:
Does this contribution setup make sense for a 36-year-old couple with 20+ years left and a high risk tolerance? Or is the Roth IRA allocation too concentrated even for an aggressive investor?
I’m especially interested in feedback on:
VUG vs VOO in the 401(k)s
Maxing Roth IRAs into 50% Bitcoin ETF / 50% SMH