Put $170,000 in Intelligent Portfolio Today

I had quite a bit after-tax money sitting around after my 2024 bonus was paid, so I pulled the trigger and put about $170,000 in an intelligent portfolio. I am meeting with a Schwab advisor again next week to discuss the portfolio and adjust it according to my risk tolerance. Right now I think it’s set to moderately conservative. I’m not sure when I would need to tap into, could be 3 years could be 10. If I had a 10 year time horizon I’d probably do all stock ETFs.

It’s not retirement money, not sure what I want to use it for but I figure it’s best not to have it sitting around or all in the money market. Ideally I’d be happy with 8% APY

I will do an update a year from now with how the portfolio performed in 2025.