Personal Investments • Portfolio review and advice (Roth/401k/Brokerage)

Emergency funds: $23k

Debt: 38K (Auto Loan @4.99%)

Tax Filing Status: (Single, Head of Household)

Tax Rate: 22% Federal, 4.4% State

State of Residence: Colorado

Age: 32

Desired Asset allocation: ??% stocks / ??% bonds (Need Guidance)
Desired International allocation: ??% of stocks (Need Guidance)

25k in Fidelity GO / 7k Roth IRA / $0 Roth 401k

Taxable
32.55% iShares U.S. Equity Factor Rotation Active ETF (DYNF) (0.25% expense ratio)
16.29% iShares TR EAFE Value ETF (EFV) (0.39% expense ratio)
11.96% iShares TR EAFE Growth ETF (EFG) (0.39% expense ratio)
9.39% iShares Core S&P 500 ETF (IVV) (0.03% expense ratio)
7.38% iShares S&P 500 Growth ETF (IVW) (0.18% expense ratio)
6.22% iShares National Muni Bond ETF (MUB) (0.05% expense ratio)
4.00% iShares TR MSCI USA QLT FCT (QUAL) (0.15% expense ratio)
3.97% iShares Core MSCI Emerging Markets ETF (IEMG) (0.11% expense ratio)
3.32% iShares US Thematic Rotation Active ETF (THRO) (0.28% expense ratio)
2.09% iShares S&P 500 Value ETF (IVE) (0.18% expense ratio)
1.97% iShares MSCI EMR MRK EX CHNA (EMXC) (0.25% expense ratio)
1.89% iShares US Technology ETF (IYW) (0.42% expense ratio)
1.64% iShares TR 10-20 YR TRS ETF (TLH) (0.15% expense ratio)
1.31% iShares S&P 100 ETF (OEF) (0.20% expense ratio)
1.23% iShares Trust Currency Hedged MSCI EAFE ETF (HEFA) (0.35% expense ratio)
1.10% iShares TR MSCI USA MIN VOL (USMV) (0.15% expense ratio)
0.99% BlackRock ETF Trust II iShares High Yield Muni Active ETF (HIMU) (0.35% expense ratio)

His Roth IRA at Fidelity Go
14.33% iShares Core S&P 500 ETF (IVV) (0.03% expense ratio)
12.98% iShares S&P 500 Growth ETF (IVW) (0.18% expense ratio)
12.00% iShares TR Core Total USD (IUSB) (0.06% expense ratio)
11.23% iShares TR MSCI USA QLT FCT (QUAL) (0.15% expense ratio)
9.81% iShares U.S. Equity Factor Rotation Active ETF (DYNF) (0.25% expense ratio)
8.93% iShares S&P 500 Value ETF (IVE) (0.18% expense ratio)
8.26% iShares TR EAFE Value ETF (EFV) (0.39% expense ratio)
7.51% iShares Core MSCI Emerging Markets ETF (IEMG) (0.11% expense ratio)
4.83% iShares TR EAFE Growth ETF (EFG) (0.39% expense ratio)
4.48% iShares US Thematic Rotation Active ETF (THRO) (0.28% expense ratio)
2.28% iShares TR 10-20 YR TRS ETF (TLH) (0.15% expense ratio)
2.24% iShares International Aggregate Bond (IAGG) (0.07% expense ratio)
2.15% BlackRock ETF Trust iShares AI Innovation and Tech Actv ETF (BAI) (0.50% expense ratio)
1.79% iShares Gold Tr iShares New Isin #US4642852044 Sedol #BKP74N6 (IAU) (0.25% expense ratio)

401k Fidelity Total:$0.00
(Just created account)

Roth IRA Fidelity Go Total: $7,074.87
(Includes pending activity of $1667.48 as listed in the file)

Individual Fidelity Go Total: $25,160.50
(Includes pending activity of $6806.47)

Combined Total: $32,235.37

Contributions

New annual Contributions
Current 401k contribution are set at 3% with my company matching at 2.5% (Salary of $70k)
$7k yearly to Roth IRA
Currently setting taxable goals but investing all that isn't part of emergency fund

Questions:
1. With the most aggressive standpoint in mind, what is the best direction for me in terms of allocation?

2. What are some need to know things for an extremely green investor? Please give me all the advice!

Statistics: Posted by dangershiba — Sat Sep 13, 2025 11:53 am — Replies 0 — Views 9

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