If I were in my 20s and didn’t want to spend my time picking individual stocks, this is the kind of ETF portfolio I’d consider. The idea is pretty simple. Put money in every month, spread it across different parts of the market, and give it a lot of time to compound. I also like having some exposure to AI and semiconductors without putting my entire portfolio into a few individual AI stocks. Here’s how I’d split it: 10% - 1st etf 10% - 2nd etf 50% - 3rd etf 20% — 4th etf 10% - 5th etf Let’s say you’re putting in $600 a month. That would be $60 into KOID, $60 into DRAM, $300 into VOO, $120 into VWO and $60 into BND. Now look at what happens when you give it time. If you start at 25 and invest $600 every month until 60, you would personally put in $252,000. If the portfolio averaged 8% a year over those 35 years, that $600 monthly contribution could grow to roughly $1.24 million. And if you were investing: $500/month → roughly $1.03M $600/month → roughly $1.24M $700/month → ro...