- estimated retirement 55. so i'd be drawing from brokerage at 55, and ideally not touching the 401k until 65.
401k is currently at $424k.
opening brokerage this month with $400k, lump sum.
with the 401k being a longer period, going with voo seems safe. without further contributions, assuming a 10% return rate over 31 years, that's over $9 million.
but the return potential on qqq is tempting. 18% historical return, right? so $400k over a 21 year period... over $17 million. potentially.
worth the risk? or should i keep it simple with voo across my 401k, brokerage, and roth ira accounts?