28M Started investing this year

Hi everyone, I'm looking for an opinion/advice about my current situation but I also want to learn from what you all have to say. I'm open to learn an to criticism

I'm a 28M that has had his brokerage and Roth IRA for a while now but didn't invest on it because I was sort of ashamed that I didn't had enough money to start. That situation has changed this year and I am now allocating around $550 total in between the two accounts each month ($225 each).

I'm currently in between jobs and trying to save as much as I can since I still live with my parents. I don't earn much so my main focus investing is growth and simplicity.

I'm currently investing:

100% VT in my Roth

And

55% VTI

44% VXUS for my brokerage

My main reason about going full VT in my Roth is diversification and simplicity but Im afraid I'm leaving "money on the table" by not maximizing growth.

In my brokerage I wanted the same, good exposure and simplicity but I'm not sure if I am being redundant with my choices or if I could do better for my goals.

What do you guys think? What would be a better option for growth thats not just VT? Is my brokerage looking good with my choices?

My plan for the future is keeping investing automatic in my choices and when I'm able to max out my Roth yearly, do it. Thanks in advance!

Posted Jun 6, 2026, 9:40 PM UTC

14
Loading comments…