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The subscriber's Roth IRA primarily contains solid ETFs like Vanguard's VOO (S&P 500) and VTI (Total Stock Market). However, there are minor issues with excessive diversification in smaller ETFs. In his brokerage account, he holds a mix of well-known stocks like Apple, Amazon, and Tesla but leans more towards individual stocks than ETFs. This could be balanced for a more efficient strategy in the long run.
For his goal of buying a property, he will likely need $50,000 for a down payment on a home costing around $250,000. With his current savings rate and trajectory, he appears on a solid path to achieving his homeownership dreams.