15-20 year hold portfolio advice/ discussion My current portfolio weight is set up as follows: 

VTI- 62.5%

SCHD- 15% 

QQQM- 15%

QQQJ- 7.5%

I plan to hold this for closer to 20 years to pay for kids colleges/ first cars and a few other things and then eventually turn it into a retirement fund. Anyways thats my above portfolio weights. QQQM/J are obviously HEAVY tech which right now and potentially for the next 5 years i could see out performing/ matching the market. Over time I plan to add more to VTI/ SCHD and just no longer add to the QQQM/J effectively decreasing the weight over time and decreasing some risk. 

I am debating on whether QQQJ is worth the hold or not tho. Im debating on whether something more like 

VTI- 60%

SCHD- 20%

QQQM- 20% 

Would be a much better position and then over time decrease QQQM to probably 10% and potentially increase SCHD to 30%.

Thoughts?