Optimal combo for $120,000 portfolio? Boosted or core?

After doing a lot of research I want Neos etfs to be the bulk of my portfolio. My new Fidelity account (taxable) has no investments just the $120k sitting in it. In my 30s and plan to retire in my 40s. I know I should focus on growth but I am focusing on dividends. Should I go all boosted (XBCI, XSPI, XQQI) or get the 3 core etfs or a combo of each? I was thinking since I’m in my 30s I can take the extra upside+downside of the boosted but idk. I’m also open to some non Neos etfs as long as they are tax efficient. How would you guys build it?

Posted Feb 2, 2026, 4:24 AM UTC

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