I am 40 years old and will be maximizing my Roth IRA annually. Please rate my portfolio and make any necessary adjustments. 60% in VT 20% in BND 20% in JEPQ

Your current portfolio allocation of 60% in VT, 20% in BND, and 20% in JEPQ is a good start, but there are some adjustments you can make to further maximize your Roth IRA returns annually:

1. **VT (Vanguard Total World Stock ETF)**:
- **Percentage**: 60%
- **Reason**: VT provides broad global diversification, with a focus on international stocks, which can help reduce risk and potentially increase returns. The fund has a moderate expense ratio of 0.07%.
2. **BND (Vanguard Total Bond Market ETF)**:
- **Percentage**: 20%
- **Reason**: BND offers exposure to a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States, including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities. The fund has a low expense ratio of 0.05%.
3. **JEPQ (JPMorgan Nasdaq Equity Premium Income ETF)**:
- **Percentage**: 20%
- **Reason**: JEPQ seeks to provide premium income with lower volatility, offering an attractive 12-month rolling dividend yield of 9.72% as of the latest data. This can help enhance the overall return potential of your portfolio.

These adjustments will help optimize your portfolio for potential growth and income. However, it's important to note that past performance is not indicative of future results, and your investment goals and risk tolerance should guide your decision. Regularly review and adjust your portfolio to ensure it remains aligned with your objectives.