Hello all, I am 27 years old and just recently educated myself on how important a Roth IRA is. I just created one about a month ago and still contemplating on which ETFs give me the perfect balance. Here are my holdings: SPYM ( for S&P 500 coverage/foundation ) , SCHD ( cash flow / stability) , SPMO ( growth ) and XLK ( aggressive growth, figured this wasn’t a bad option since I have a little bit of time on my side, even though I wish I started way sooner ) I’m open to any suggestions/advice. I am pretty open minded and willing to learn. Thanks in advance!