/biz/ - Business & Finance

Alright boys, I'm a 33 year old boomer with my first child due next year. I no longer have the risk tolerance to play the game and only have minimal capital that I can freely throw on the next GME. It's time to shift gears into family mode. My thoughts:

>Company 401k matches up to 3%, Contribute up to match and put it 100% into SPY.

>$6,000 into Roth IRA each year, 50% SPY 50% QQQ.

>Maybe max out the HSA. Funds can be invested when they're just siting there. Company contributes half of the yearly maximum $3,550. 100% into SPY.

>Charles Schwab individual brokerage account. 50% SPY, 25% QQQ, 20% SOXX, 5% on biz memes.

Alternatively, go with multiple sectors copied from another anon:

Energy: NEE
Healthcare: JNJ
Consumer Staples: PG
Consumer Discretionary: LOW
Financials: JPM
Defense: LMT
Industrials: PH, ITW, or HON
Tech: MSFT
Materials SHW

What do you think?