<prompt> Human: Looking for advice on a Roth IRA Im about to open. I am 24 yo, make 60kyr, and have little debt. These are the s I am thinking but looking for critiquing. Thanks.5 VWO emerging markets5 VGK europe7.5 VNQ real Estate investment trust7.5 BND bonds5 GLD gold7.5 VIG dividend appreciation10 VUG growth7.5 VTV value5 VB small cap20 VTI total stock market20 VOO sp 500  <response>: 1. What benefit do you think youre getting by holding all of these different equities ETFs instead of just vti and vxus? I would drop all of these and just do a simple 3 fund portfolio with those and bnd.2. Your international exposure is a little low - I would increase to 20-40 of total equities exposure.3. I think metals are dumb but thats just me. If you want some low correlation asset Id just invest those into long term t. Notes or junk bonds. 