Dear Community Members
I'm at 40 and need some guidance choosing right investment strategies. I'm on work permit and might move back to my home country after my project completes in 3-4 years. In case I get long term project then I'll continue in USA. I'm investing 6% in 401K plan with employer match and 5% in ESPP. I'm planning to withdraw money from 401K plan only after age 60 for kids education. Apart from this I'm planning to invest $1K as mentioned below:
50% VTI - Stocks ETF
30% VXUS - Stocks ETF
20% VNQ or SCHH( Should I choose VNQ or SCHH ?) - REIT ETF
I prepared this plan because it's easy to liquidate money in case I need to move. I'm planning to add BND in portfolio when nearing retirement. The reason of choosing ETFs because it's more tax-efficient.
Apart from that, I'm thinking to invest in below assets as well. In this case, VXUS will change to 20% and VNQ or SCHH 10%. Based on my situation, should I consider these or better to stick with the plan mentioned above to keep it simple for long term?
5% in IAU or GLDM( Should I choose IAU or GLDM ?) - Gold ETF
5% in IBIT(Bitcoin) - Bitcoin ETF
10% in SCHD - Dividend ETF
Kindly provide your guidance on this.
Thank you!
