26 how to allocate first 100k in savings

I'm 26 and just reached 100k in savings. This is how it's currently distributed. Should I make any adjustments going into next year?

I live quite frugally. The goal is to try to grow my money as much as possible while keeping a liquidity cushion for any emergencies. I will most likely switch jobs early next year (might take a small pay cut).

Is there anything else I should look into to further diversify (e.g., real estate)?

In the US:

• 50k - Brokerage (Robinhood, ETFs: 90% stocks, 10% bonds)
• 10k - 401k (just opened this year due to new job. employer contributes 7% regardless of how much I contribute)
• 15k - Roth IRA (Fidelity, ETFs: 90% stocks, 10% bonds - have maxed out for the past 2 years, planning on maxing out next year too)
• 15k - HYSA (~4.5% APY - emergency fund, easy access and high volatility / risk country)

Abroad: (dual citizen)

• 10k - HYSA (7.35% APY - more restricted immediate access)

submitted by /u/ia2078
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