PBR
PETROLEO BRASILEIRO S.A.-PETROBRAS
stock NYSE ADR

Hi everyone,
I'm 24 and recently started my first full-time job (\~$110k/year). I've spent the past few weeks building a long-term investing strategy and would love some honest feedback before I stick with it.
# Current situation
* 24 years old
* \~$110k salary (expected to get a raise next year)
* Investing \~**$900/week**
* 6% Roth 401(k) with 3% employer match
* High risk tolerance
* 20-30+ year investment horizon
* No high-interest debt
* Living with roommates at least till the end of next year.
I already have some legacy positions (\~$10k) (NVDA, SLB, PBR, META, IBM, Ford, etc.), but I don't plan on selling them immediately. Instead, I'm using all new contributions to gradually rebalance.
# Weekly allocation
|Holding|%|
|:-|:-|
||
|VOO|25%|
|VXUS|10%|
|AVUV|10%|
|NVDA|10%|
|BRK.B|10%|
|JPM|10%|
|MSFT|8%|
|META|7%|
|Healthcare ETF (XLV/VHT)|5%|
|Opportunity Cash|5%|
My goal isn't to beat the market every year. I'm aiming for a portfolio I can consistently invest in over the next 20+ years.
# Questions
1. Is this too tech-heavy?
2. Is 20% between VXUS + AVUV reasonable, or would you allocate differently?
3. Would you replace any of these holdings?
4. Do you think keeping a 5% opportunity cash position makes sense, or should I stay fully invested?
5. If you were starting at 24 today, what would you do differently?
I'm looking for constructive criticism rather than validation, so please feel free to point out flaws in the strategy.
Thanks!
[](https://www.reddit.com/submit/?source_id=t3_1v5moag&composer_entry=crosspost_prompt)

Hi everyone,
I'm 24 and recently started my first full-time job (\~$110k/year). I've spent the past few weeks building a long-term investing strategy and would love some honest feedback before I stick with it.
# Current situation
* 24 years old
* \~$110k salary (expected to get a raise next year)
* Investing \~**$900/week**
* 6% Roth 401(k) with 3% employer match
* High risk tolerance
* 20-30+ year investment horizon
* No high-interest debt
* Living with roommates at least till the end of next year.
I already have some legacy positions (\~$10k) (NVDA, SLB, PBR, META, IBM, Ford, etc.), but I don't plan on selling them immediately. Instead, I'm using all new contributions to gradually rebalance.
# Weekly allocation
|Holding|%|
|:-|:-|
||
|VOO|25%|
|VXUS|10%|
|AVUV|10%|
|NVDA|10%|
|BRK.B|10%|
|JPM|10%|
|MSFT|8%|
|META|7%|
|Healthcare ETF (XLV/VHT)|5%|
|Opportunity Cash|5%|
My goal isn't to beat the market every year. I'm aiming for a portfolio I can consistently invest in over the next 20+ years.
# Questions
1. Is this too tech-heavy?
2. Is 20% between VXUS + AVUV reasonable, or would you allocate differently?
3. Would you replace any of these holdings?
4. Do you think keeping a 5% opportunity cash position makes sense, or should I stay fully invested?
5. If you were starting at 24 today, what would you do differently?
I'm looking for constructive criticism rather than validation, so please feel free to point out flaws in the strategy.
Thanks!
[](https://www.reddit.com/submit/?source_id=t3_1v5moag&composer_entry=crosspost_prompt)