I agree mr kirk, i cant even put more into this yearly, I was thinking SCHD VXUS and VOO as my 3

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Why not? I have plenty of ETF exposure. But after the NASA experience I prefer to hold stocks directly so instead of DRAM I have 4 memory names directly and I'm a lifetime holder of asts and rklb instead of NASA. My main ETF is vxus and then I like to hold the mag7/semi names I prefer directly.

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I sold everything I own and bought VXUS because someone told me on r/portfolios it’s the best

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