VGPMX
Vanguard Global Capital Cycles Fund Investor Shares
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VT-all world for diversification & sleep sound. Or lose money in different ways BUT be divorsed from the overall market with minor positions in things like SGOV cash for di-worsification (defaulting isnt the risk on this one, its underreported inflation). VGPMX precious metals FBTC for non-fiat (I hate it too but it refuses to die.)
I have avoided chip plays beyond indices but I have, but I have made pretty good returns on the VGPMX fund that invests in mining companies and precious metals (gold, silver, platinum and rarer metals that are used in chips)
There isn't a clear answer on how much you'll need to live. Especially for an American, subject to the American health care system. If you got a significant injury you could easy go bankrupt in a couple of months. The rule of thumb is 4% per year for very safe investments, and retired people are generally recommended to play it safe. Setting that aside those seem like a good, reasonably diversified selection of index funds. (Though that adds up to more than $280k) I personally don't like index funds during Trump times, I like managed funds right now. But I'm not saying you're doing it wrong, that's just my preference. (Maybe have a look at VGPMX.)
What I’ve bought in order this year: house-gold-silver-SCHD and VGPMX
Do you know if theres an ETF version of VGPMX?
Check out VGPMX vanguard global capital cycles. It invests internationally in a variety of industries and commodities that aren’t directly linked to US tech. VYMI - vanguard international dividend. These are all blue chip international companies in a variety of industries but doesn’t have commodity exposure like VGPMX VIPSX - inflation protected bonds - this gives you a bit of stability in a highly volatile market that is seeing higher inflation. Retirement is 2-3 decades away. Now is a great time to build up your fixed income part of your portfolio. Vanguard has a wide selection of bonds to check out, but considering the inflationary environment, I wouldn’t put too much into bonds, just add a little bit here and there. Last thing to check out, is precious metals industries. They tend to do well in shaky markets that you’re seeing right now. Putting a couple percent into something like SGDM or GDX, both solid gold miner ETFs can diversify your portfolio. Politically unstable times with shaky financial markets make gold and other commodities more valuable. Do some research, find assets that match your risk and volatility tolerance, and keep on saving!
Non-tech stocks mostly cannot match the rate of return you get from tech stocks you’ve quoted here. Current geopolitical situation, supply chain woes can make the non-tech sectors more volatile, which can be capitalized with better sector research. They can guarantee more stable returns over time, but investing individually increases the risk! I was in the same boat a year ago, and ended up diversifying into ETFs and Mutual funds for stable returns over time. SPY, VTI, IBIT, VGPMX (includes metals like Gold, Lithium, and gives good returns due to the current market conditions) Costco is a great stock to hold, echoing some of the comments here!