SXUS
Janus Henderson International Sustainable Equity ETF
stock NYSE

I am a 21 year old college student who has opened a Roth IRA and want to start contributing as soon as possible. My current thought is to invest into 50% into VOO/SPY, 30% into QQQM, and then the final 20% into either solely SCHD(or another dividend etf) or to allocate 10% to SCHD and 10% to an international ETF(most likely SXUS). What are your thoughts? Thanks for engaging!

I am a 21 year old college student who has opened a Roth IRA and want to start contributing as soon as possible. My current thought is to invest into 50% into VOO/SPY, 30% into QQQM, and then the final 20% into either solely SCHD(or another dividend etf) or to allocate 10% to SCHD and 10% to an international ETF(most likely SXUS). What are your thoughts? Thanks for engaging!