Hi Jeremy! I finished your course back at the start of the year, I already made a lot of choices, but also took another course that maybe complicated my accounts and now I’m looking for some advice if you can help!
I have:
Fidelity
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a taxable brokerage account I’m setting up to fund
-cash waiting for enough funds to buy interest based investments -
a Roth IRA (started with a Target date fund and then learned about 3 fund portfolios- have maxed the past 3 years)
-35% FDEWX 2055 fund
-40% FSKAX US Stock
-22% FSPXS INT Stock
-2% FXNAX Bonds -
a rollover IRA (learned about the 3 fund portfolio while rolling over and wanted to try using Vangaurd funds)
-52% VTSAX US Stocks
-27% VTIAX Int Stocks
-28% VBTLX Bonds
My workplace 403B account that will be inactive next month is 100% invested in Fidelity 2055 fund, with a .65% expense ratio. Match is 50% of the first 6% and I contribute 12% of total income.
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My question is how do you recommend if needed rebalancing the Roth? I recognize the TDF and the 3 fund portfolio are a little redundant, but I also noticed the 3 fund route has lower expense ratios.
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If I’m rolling over my workplace account into this rollover/ a new rollover with fidelity (I know sometimes they don’t let you mix funds, but I want as much as possible in my one fidelity account) do you recommend a different strategy than the two I’ve started to cover my bases. Or making them all have the same strategy?
I will definitely have more questions regarding my new work place account after reviewing the benefits package (its confusing!), but if you have any insight or advice on what I have so far that would be greatly appreciated!
Thanks 