I have a lot of doubts in my mind regarding my investments right now due to COVID-19. What should I do?

Honestly, you are stretching your resources too wide. You would be better off just sticking to 1 robo advisor. From a cost standpoint, VTI and QQQ through Kristal seems the most cost effective since there are no fees up to 50k. Risk and return wise you are getting more and VTI and QQQ are 2 ETFs I personally own as well.

Hi Anon,

I can understand your concerns, these are difficult times to keep your feet still.

Couple of things to consider:

1) Do you have an emergency fund? If not, set one up first.

2) Any foreseeable life events that need cash? Plan for them accordingly and set aside the money needed.

3) Have a long-term plan with an asset allocation according to your personal situation and risk profile and stick to it. If you're following a Buy and Hold strategy then this will play out positively in the long term.

If you're having doubts regarding inflation, you can add commodities to your portfolio. For example, you can take a look at the All Weather portfolio, that is also offered on kristal.AI's platform. Due to this portfolio's allocation to commodities, it is said to do well also in inflationary times.

Hope this helps!