This will be maxed out annually by parents from now through college. Yes, he has the qualifying income required for a minor’s Roth IRA. I came to this mixture after weeks of research and also running it through both Claude and ChatGPT at the very end just to see what they rated the mixture for long term. I didn’t use AI for any of the actual choices; it was strictly for an opinion on how it looked overall for very long-term growth. - I’m curious to see other’s opinions on my choices and percentages. - 40% VTI - Vanguard Total Stock Market Index ETF 20% VXUS - Vanguard Total International Stock Index ETF 10% SCHG - Schwab US Large-Cap Growth ETF 10% VTV - Vanguard Value Index Fund ETF 8% VOT - Vanguard Mid-Cap Growth ETF 8% VBK - Vanguard Small-Cap Growth Index ETF 4% SMH - VanEck Semiconductor ETF - EDIT TO ADD: Before he gets control at 21, I plan to change everything to 80% VTI and 20% VXUS.