Portfolio Opinions

Portfolio Review

I’ve been browsing posts here for a bit now as well as reading the forum articles and such so I figured this would be a good time to get some people’s opinions before I commit to my planned investment approach.

My wife and I are both in our 40s and government employees. We both have pension plans and are putting money into a Spaxx account for emergency funds so these Roth IRA accounts are more just for supplemental retirement funds. Since we both have pensions, our risk appetite is a little higher than I see recommended here sometimes but we still like the mentality of using etfs/mutual funds with a set it and let it build setup with automatic biweekly contributions. Below is the planned approach utilizing both of our Roth accounts.

VOO - 60% VXUS - 20% XME - 10% IBIT - 10% (I used to keep these investments separate but realized that my wife didn’t care to learn them enough to liquidate properly if I were to die early)

I’m already expecting to get some criticism for the BTC investment but how does the other 90% look for a set it and forget build for good long term growth that’s not overly risky?

Posted Dec 13, 2025, 10:26 AM UTC

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