USNZ
Xtrackers Net Zero Pathway Paris Aligned US Equity ETF
stock NYSE ETF

Hey all,
Apologies for potentially asking the same question you've all seen 1,000 times, but I'm trying to build a long-term portfolio and I want to make sure I'm not being a huge idiot.
I recently inherited $200k, and I would like to grow that money so I can eventually retire. My current plan is to put $100k into a savings account (they're yielding 4.5% at my current bank right now so that seems like a decently safe place to store half of the money). The remaining $100k I'd like to put into the market and try to grow. I am gainfully employed so I'll continue contributing to the market fund, and I won't need to pull from it for expenses, so this is purely trying to grow so I can eventually stop working (the ultimate goal, am I right?). My current plan looks like this:
50% in market index ETFs
* 50% VOO
* 25% VGT
* 25% VUG
30% in Semiconductor ETF
* VanEck Semi-Conductor (SMH)
* Should I add a second one?
10% in USNZ (big believer in decarbonization being mandatory in the near future)
10% in MSOS
My main questions are these:
Am I being a big dumb idiot by only putting 50% into index ETFs like VOO?
Am I a big dumb idiot putting half of my money into a bank account and only half into the market?
Is it a silly spread to have stuff like USNZ, SMH, and VGT all in the same portfolio?
Am I missing a huge segment by looking at semiconducturs and Green Energy but completely skipping over electric vehicles (outside of the TSLA shares held by VOO etc, of course).
Also, I know that MSOS is a very risky play, but my investment horizon is long (I'm in my mid-30's, so I can hold that for 20-30 years if needed), and I do really think there's major upside. I have a feeling Biden will push legalization this year as an election ploy, and the concerns about everyone being able to grow flower is a bit overblown since the vast majority of cannabis sales in the US are processed commodities like edibles, tincture etc, which are very difficult to be made at home, or bought from the black market. We don't really have to have that discussion in this thread, I'm just sort of explaining my reasoning/optimism.
Thank you in advance for your help, I've been voraciously reading the entire internet for the last week and you're all amazingly helpful. Just need a little gut check on if I'm even heading down the right path or not.

Hey all,
Apologies for potentially asking the same question you've all seen 1,000 times, but I'm trying to build a long-term portfolio and I want to make sure I'm not being a huge idiot.
I recently inherited $200k, and I would like to grow that money so I can eventually retire. My current plan is to put $100k into a savings account (they're yielding 4.5% at my current bank right now so that seems like a decently safe place to store half of the money). The remaining $100k I'd like to put into the market and try to grow. I am gainfully employed so I'll continue contributing to the market fund, and I won't need to pull from it for expenses, so this is purely trying to grow so I can eventually stop working (the ultimate goal, am I right?). My current plan looks like this:
50% in market index ETFs
* 50% VOO
* 25% VGT
* 25% VUG
30% in Semiconductor ETF
* VanEck Semi-Conductor (SMH)
* Should I add a second one?
10% in USNZ (big believer in decarbonization being mandatory in the near future)
10% in MSOS
My main questions are these:
Am I being a big dumb idiot by only putting 50% into index ETFs like VOO?
Am I a big dumb idiot putting half of my money into a bank account and only half into the market?
Is it a silly spread to have stuff like USNZ, SMH, and VGT all in the same portfolio?
Am I missing a huge segment by looking at semiconducturs and Green Energy but completely skipping over electric vehicles (outside of the TSLA shares held by VOO etc, of course).
Also, I know that MSOS is a very risky play, but my investment horizon is long (I'm in my mid-30's, so I can hold that for 20-30 years if needed), and I do really think there's major upside. I have a feeling Biden will push legalization this year as an election ploy, and the concerns about everyone being able to grow flower is a bit overblown since the vast majority of cannabis sales in the US are processed commodities like edibles, tincture etc, which are very difficult to be made at home, or bought from the black market. We don't really have to have that discussion in this thread, I'm just sort of explaining my reasoning/optimism.
Thank you in advance for your help, I've been voraciously reading the entire internet for the last week and you're all amazingly helpful. Just need a little gut check on if I'm even heading down the right path or not.