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This is my Roth IRA portfolio.
VTSAX vanguard total stock market 70%
VTIAX vanguard total international 20%
VBTLX vanguard total bonds 10%
I'm 40 years old. I didn't start saving for a retirement earlier because I'm an immigrant to the USA. I need all your suggestions & critics. Thanks.

This thread is now in the Personal Investments forum (portfolio help).

nothing wrong with that.

do you have a 401k?

some would suggest bonds in a 401k (tax deferred) and stocks in Roth IRA, but there's nothing wrong with what you've done either. You could also use a target date retirement fund in your Roth IRA as well.

in case we're missing other details (like 401k, etc), it would be best if you repost/edit your original post according to the following details:

viewtopic.php?t=6212

welcome.

Mario2222 wrote: ↑Sun Sep 06, 2020 7:12 pm This is my Roth IRA portfolio.
VTSAX = 70%
VTIAX =20%
VBTLX =10%

90/10 AA at 40 years old is pretty aggressive. Is this all of your portfolio?

Mario2222 - You had a duplicate post which I've removed. There were no replies.

I don't have a 401k. I will have a 12 years pension. A full pension if I work for 30 years. I have 8k in two taxable accounts.

This looks reasonable.

You will get more actionable information if you read this link and post your information according to the suggested format.

viewtopic.php?f=1&t=6212