Portfolio Recommendation

I’m in my 30s and planning to invest 100k that I saved up. I am recently exposed to the concept of portfolio investing and wonder if this strategy I summarized is the right way to go?

Portfolio: 40% voo，40% qqqm，20% schd

I have also seen some recommendation saying (50% voo，20% qqqm，20% schd，10% iaum) but not sure if gold is still good for investing.

It seems like this will have some cash flow and growth as well.