ROTH IRA allocation?

Question

I'm <25y/o for the moment... is this TOO agressive?

35% Small Cap (20% small cap ETF; 15% micro cap fund I like)

25% Large cap ETF (I have more exposure to large cap in 401k)

20% international (50% in diversified developed / 50% Emerging Markets)

10% REIT

10% Specialty (right now I would put in financials and wait 15 years... LOL)

Is it way too agressive even for my age?

Answer 1

No, that is not too aggressive for your age.  At your age, you should be very aggressive.  If you feel comfortable with this allocation, then it is good for you.  I would only say it would be too aggressive if either you had not been so diversified or if you had chosen junk bonds, commodities, or foreign currencies.

Answer 2

No not too aggressive for someone 25 and has long term goal.  Great job realizing that you should start now.

Answer 3

Are you satisfied with it&#039;s performance?  If so, leave it.  

I like no downside risk of loss, 15% guaranteed return on my initial investments, and double digit growth potential in robust markets.