Investing for Non-Retirement?

So I’m about 30 and my Roth IRA is over $70,000. I’ve maxed out about 7 years and can accomplish that for one more 2 or 3. I even have a State pension that I’ll be capable of draw on so I’m not overly nervous about retirement.

I’ve been throwing about $100-$150 a month within the inventory market as I paid again scholar loans. I’m debt-free, minus slightly to my dad and mom that might be paid by finish of yr. Not an enormous Dave Ramsey man, however I’ve sort of been doing the stuff he teaches individuals with out studying his materials or listening to him.

So I assume I’m primarily in search of some type of suggestions about whether or not I ought to be going for aggressive or average progress and ideas for a lot to allocate to it. Probably not trying to be a dividend investor, not less than, not but. I don’t have that type of cash to pay in, particularly once I’m trying to purchase a home within the subsequent 24 months.

Proper now, I’ve about $5200 portfolio. I’ve tried doing a little studying and discovering respectable YouTube tutorials, however quite a bit is both retirement primarily based or dividend targeted.

I’ve marginal quantities (lower than $50) in BND, DGRO, SCHG, SCHH, and VXUS.

I’ve small quantities ($50-$150) in AIQ, NOBL, SCHD, and VGK

I’m $200 underneath in AAL, $120 underneath in RUN, and $50 underneath in SNDL. I’m shopping for extra to greenback value common down earlier than promoting and reinvesting in my portfolio.

My greatest chunks are $2700 in QQQ and $1750 in VOO.