>>60654207
I have a question for pic related anon.

I’m 34 and my Roth IRA is 100% VTI. I was thinking of adding SCHD, but I checked out your QQQI and now my noggin is joggin about allocations for dividend income.

Is there any reason to start adding SCHD/QQQI to my Roth or should I wait until I’m closer to retirement?

Why did you include them and could you put them in a taxable account?