Thoughts on my portfolio and advice.

Side note: Both of our Roth are full VTI. Her 401k is in a target fund for a current total of a little over $100k and will be continued to get maxed out every year. Main questions will be regarding the brokerage account.

This is my wife’s and my brokerage portfolio and I’m looking to develop it so we can hopefully retire in 20 ish years. We are in our early thirties and started investing roughly 3-4 years ago with majority of active buys in 2024.

My plan is to continually contribute to the brokerage account for that sweet juicy >4% APY as well as have it available for investing. I’m keeping 3 months of emergency expenses in a checking and another 3 in Fidelity settlement cash account. The rest we want to make sure goes into the market.

AMAT Applied Materials, I... 100.163 $176.32

ASML ASML Holding N.V. 15.01 $684.97

GOOGL Alphabet Inc. 120.125 $146.05

PFE Pfizer Inc. 250 $25.04

SPAXX Fidelity Hereford St... 14,059.02

TSM Taiwan Semicondu... 40.093 $172.71

VTI Vanguard Total Sto... 250.631 $262.59

Majority of the account is VTI with some decent stock picks at decent cost average for some riskier plays. I’m planning to add several individual stocks if I find anything that I truly like while adding to some of the existing positions. Mainly just wanted to add to TSM and PFE as my AMAT, ASML and GOOGL are already at a substantial position and won’t feel comfortable putting more into those individual stocks for now.

First question would be: Given the 1/3 of the overall investments already being in VTI in Roth and 401k, what percentage of the brokerage account would you recommend allocating to VTI vs individual stocks? What’s a good number of stocks to have and how much to each position?

As I would like to diversify the individual holdings a bit and get into more market sectors, I have been doing a decent amount of research. There are some tickers I have been interested in adding to this account but either missed or haven’t seen the desired entry point. Those would be: WMT, TGNA, XLV, and AMZ if it gets sub $200. What are your thoughts on these? Open to recommendations as well.

And I guess my final question would be regarding our chances of retiring in about 20years (annual contributions between Roth, 401k and brokerage will be around $60k. I understand everyone’s expenses at retirement are different so an estimated portfolio worth would be a reasonable metric.

Thank you