[19 | Finance Major | Starting My Investment Journey – Would Love Some Feedback]

Hey everyone,

I’m 19 years old and currently a student at St. John’s University, majoring in Finance with a minor in Accounting. I’ve recently become serious about investing and would really appreciate some feedback as I start building my portfolio.

I’ve saved up $500 so far and plan to split it: $250 into a Roth IRA $250 into a regular individual brokerage account

Roth IRA Allocation 60% VTI (Total US Market) 30% IDMO (iShares Momentum ETF) 10% FTEC (Fidelity Tech ETF)

Individual Brokerage I’m considering splitting the $250 between the following ETFs: QQQM (Nasdaq 100) VOO (S&P 500) SCHG (Large-cap growth) SCHD (Dividend ETF)

Individual Stocks: Google (GOOGL) Meta (META) JPMorgan (JPM) Nvidia (NVDA) Costco (COST) Amazon (AMZN) Microsoft (MSFT)

1.Am I holding too much with too little capital? 2.Is there too much overlap between the ETFs and individual stocks? 3.Would it be smarter to simplify and focus more on ETFs at this stage? 4.Are there any other ETFs or stocks I should consider that offer better diversification or long-term potential? 5.Since I work part-time at Home Depot and am not sure how long I will work there for, is it worth enrolling in their 401k now?