Hi ,

I am 28 and just starting my Roth IRA.I currently live in Austrlai so we dont have a 401 k here just superannuation here so cant do a 401K.As I am a bit late to be starting a roth IRA I don’t really know where to start in regards to where specifically I should be allocating my funds to. I have set up a Roth IRA with M1 finance after doing a bit of research. I then created a portfolio based on Gretchen Tai’s model portfolio, https://www.npr.org/2015/10/17/436993646/three-investment-gurus-share-their-model-portfolios, with a bit of a tweak, 75% stocks and 15 % bonds. I honestly did basic research and created a pie selecting primarily ETF’s with Low fee’s mainly vanguard. I just have a hard time trying to figure out if my assest allocation will give me a high yeld return over a long period of time. How do I analzye ETF’s to understand if they are a good ETF to add to my portfolio ? Also I really dont know if my pie is even good can someone please help me below is my pie assest allocation that I have created. Thank you for all the help in advance ! Any help will be much appreciated !

VGT 26%
MGK26%
BND 10%
FDHY 5%
REET 5%
BLV 5%
VNQ5 %
VTIP 5%
VB 3%

I allocated more to Real estate as I want to be more on the risker side.

Kind Regards,

noelle