Fidelity roth ira portfolio reddit. New Roth IRA Portfolio Advice .

Fidelity roth ira portfolio reddit Fidelity Roth IRA portfolio . Hello, I recently just maxed out of Roth IRA and I want to invest in some index funds. This is the combo I’m doing right now. First, thank you for choosing Fidelity for your Roth IRA. I'm more familiar with VOO and much rather just full send VOO for the rest of my life but I realize that's a bad strategy since I need diversification. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. I'm not sure in the long run how much difference in performance there will be between the boglehead recommended portfolio and the fidelity ishares one. Sort by: but I want to start a new Roth in Fidelity and build on these. The 2024 maximum Roth IRA contribution is $7,000 a year for those under age 50. Looking for advice on how to allocate my stocks. Is $1M in savings by 65 actually possible with a Roth IRA only? Get the Reddit app Scan this QR code to download the app now. Roth IRA Contribution Limits. Does anyone have any advise on how to make a portfolio? I know absolutely nothing about investing. My fidelity Roth IRA comprised of FXAIX 70% and FSKAX 30%. These funds even have zero fees. A couple of quick notes about Roth IRAs that are important to remember: Roth IRAs have annual contribution and income limits that you will need to remember. Any suggestions for a simple 3 fund portfolio? I keep seeing one person or website say to use the fidelity funds, and others to say use Vanguard ETFs. Get the Reddit app Scan this New Roth IRA Portfolio Advice . I recommend it. Zero transaction fees and all ETFs means I can easily buy whichever I need every paycheck. I maxed out my contributions for 2023, and was able to invest 3,000 for 2022. As long as you keep the funds within the account, you don't have to worry about paying taxes for trading. Im just Keep in mind the taxpayer is responsible for keeping track of contributions made into a retirement account, like a Roth IRA; however, you can view contributions made into an IRA here at Fidelity by visiting your Portfolio on Fidelity. So you want to always put your highest growth asset into the Roth IRA. I don’t really know what I’m doing, though, and am hoping to get advice on the best index fund to put my money in considering there are so many options! A little about me: I’m 24 years old, have 5k in my Roth IRA with hopes of maxing it every I’m 28 and I’ve been maxing out my IRA for the last 3 years or so. Lastly, I want to touch on Roth IRA contributions. I have $7,000 in savings, but I don't mind balancing my portfolio quarterly or whatever it takes to be set for retirement. My Roth IRA is invested in Fidelity's Zero funds - FZROX and FZILX. For Fidelity tax advantaged accounts I use FZROX, FZILX, FXNAX, and FSRNX. For anyone under the age of 50, you are able to contribute up to $7,000, and aged 50 and over can contribute up to $8,000 - based on income limitations. As an official Fidelity customer care channel, which could work but also could tank your portfolio. Rowe Price, such as T. So I have a fidelity account where I'm making 12% 401k contributions with a 6% match from my company. I need advice for my new Roth IRA account. Their app and website are decent, and the funds are comparable to any of the other big brokers like Vanguard or Schwab. I am invested in FXAIX in my IRA as well. Roth IRA I've been working towards maxing out my ROTH IRA this year and have all my investments in FXAIX. This is a great place for beginner and advanced investors to share knowledge! I have been slowly adding more money to my Roth IRA, As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity Over the past 2 days, my portfolio and data does not load. I also am invested in FSELX which is the Fidelity Select Semiconductors Portfolio Mutual Fund. How do I apply my money to specific investments? I chose a mix of total market stock index, total international index, As an official Fidelity customer care channel, our community is the best way to get help on Reddit Before I knew anything, I invested 100% into my companies 401k and nothing else. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. This will give you a Very diversified portfolio for the long haul--but it also will generally underperform other less-passive portfolio strategies Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. If your company offers a Roth 401K option, invest in a fund that mimics the S&P 500 and you really don't need a Roth IRA since a Roth 401K maxes out at $20,500 vs $6K for a Roth IRA. It only has 2 ETFs (VOO and QQQM) and totals <$20K. I do have some Vanguard funds on my Fidelity account and if you decide to go with Fidelity or vanguard, you can buy each others fund on the other platform normally for free. Being "aggressive" in your Roth IRA is definitely a good choice, since as you mentioned you're 21, but also because the Roth IRA grows tax free and withdrawals are tax free. You could I'm 22 and recently started a Roth IRA with fidelity. I am looking to allocate 80/20 or 70/30 in FZROX/FZILX. Alongside IRA contribution limits, Roth IRAs are also subject to income requirements. The Fidelity Government Money Market Fund (SPAXX) is your core position in your Roth IRA. Or Fidelity Roth IRA portfolio Retirement Can anyone tell me what your fidelity Ira portfolio consists of and how well it has been doing? I am trying to put together a portfolio and need some good ideas. Investing ideas for your IRA . Investing I’m 28 and just opened up my Roth at the end of 2023 , which I’m feeling is pretty late but anyway, I put in the limit of $6500 across 2 funds As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. I'm confused on the difference between the Fidelity investments and the regular etfs or index funds. I would like some suggestions and opinions on my Three Fund Portfolio, what I should do and which funds to look into. Think of the core position as the "wallet" in the account that holds your uninvested cash. I’m investing pretty aggressively in this portfolio to maximize potential long term growth and given my circumstances I don’t intend to rebalance it to a more conservative spread until a bit later. Plus when you retire you can roll over your Roth 401K into your Roth IRA with no taxable events. This includes Fidelity and non If this Roth IRA is with T. Im currently 18 and am trying to invest into my Fidelity Roth IRA. For example, putting bonds in there wouldn't be the best choice (not that you were considering it). The statements above hold up for any type of investment account, whether you’re investing in a taxable brokerage account, a traditional or Roth 401k, or a traditional or Roth IRA. I know this is not fidelity subreddit but some of the boggleheads investor here uses Fidelity on their 401k’s, Roth IRA, brokerage account. our community is the best way to get help on Reddit with your questions about investing with Fidelity I want to transfer my Schwab Roth IRA to Fidelity. 28M planning to start investing in Roth IRA. Their iPhone app is horrible whereas Fidelity’s is pretty nice. Get the Reddit app Scan this Fidelity 3-Fund Portfolio (Roth IRA) Investing Questions So I’m currently 18 and don’t earn a lot, thus I’m opting to contribute to a roth account for now. Hi all! I just opened a Roth IRA (thanks to this sub) and want to put my money in an index fund. My portfolio consists of the following: I would only use 2 of the 3 funds in a Roth IRA, skipping the bonds. Roth IRA: Vanguard vs. If I finally decide on the Roth IRA and make a lump sum contribution next year before April, will that count towards the max for 2021 or will it be towards 2022. ETF portfolio suggestions for Roth IRA I've been investing a couple of years now, but definitely not an expert. 60:30:10. The rule of thumb for Roth IRA is one is one international. I recently Maxed my Roth IRA to $6,500 and I plan on doing the same for 2024's Max Limit of $7,000. Very new to investing. I just put 8,000 into the account since I could still contribute 6,000 for 2020, and I'm trying to determine the best index funds to use as my core holding for the long term. Now that I am a homeowner (and I max my ROTH IRA, almost max my 401k through work), I want to start putting that money into a brokerage account through Fidelity. I maxed it out for 2023 ($6,500) and plan on doing the same for 2024 through monthly contributions as the year goes on. Based on bogleHead's 3 fund folio: With Fidelity, for example, you could construct a three-fund portfolio using: Fidelity ZERO Total Market Index Fund (FZROX) or Fidelity Total Market Index Fund (FSKAX) Fidelity ZERO International Index Fund (FZILX) or Fidelity Total International As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. You can withdraw earnings tax-free and penalty-free once the 5-year aging requirement is satisfied and are age 59½ or older or meet one of several exemptions. Kind of got a late start since I’m 28 but better late than never I guess lol. SPY - 50% In Roth IRA might as well use fidelity's zero funds. I’m 22 and just opened my account at Fidelity, so obviously I have a long time horizon. I contribute 10 % into 401k and my company matches another 3-4% can’t remember but I’m gonna also max contribute to my IRA 6000 per year I also want to set and forget it. You'd be much better served by either going full VT or starting with a three fund portfolio that includes the total US market, total international market, First time doing Roth IRA as well. Zero transaction fees and 80% of my portfolio has zero expense ratio. Roth IRA portfolio . Now I only invest up to the match and now I'm managing my own Roth IRA for the difference. Using a service like Fidelity Go to manage your portfolio is better than not investing. I currently do not have a While our system may guide you to a suitable strategy by providing general ideas, you can select from a wide range of investment choices for your Roth IRA. See the comments from other investors, Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and Congratulations on opening a Roth IRA to start your investment journey and maxing out your contribution limit for 2024! As a new investor, we understand your desire to get input from like Learn how to invest your IRA and Roth IRA in a diversified portfolio of stocks, bonds, and short-term securities. Discussion I’m 24 years old, I recently started a Roth IRA and I'm seeking advice on my investment portfolio and strategies to grow my wealth. Like some have already mentioned, Vanguard funds usually have a $3000 minimum where Fidelity funds do not. I feel like I am may too many things I am investing in. Fidelity has an interesting product called "Fidelity Basket Portfolios". Those would probably be what you want to craft the boglehead portfolio. I would keep the bonds in my traditional 401K instead as I want the Roth to grow untouched as long as possible and have the assets with the most growth possible located there. Just put $6k in my fidelity Roth IRA can someone help me on what I should do Please direct all simple questions towards the stickied Daily Discussion and Quarterly Rate My Portfolio threads (sort by Hot, they I remember reading a Reddit post last year where this guy's wife was contributing money to their kids 529 and one day he checked As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. I'm 26 y/o and just opened up a Roth IRA account with Fidelity. The question I have is trying to decide if I should open a separate brokerage account in addition to the Roth IRA. I also want to make max contributions to roth IRA. Is this a good portfolio makeup? Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. With the Roth I In a Roth IRA, your gains are tax free, so one strategy is to put your most aggressive positions in that account and put your moderate/conservative positions in other retirement accounts. A Roth IRA being tax-deferred means you don't pay taxes on capital gains and dividends in the year they are incurred, but you do pay taxes for withdrawals taken from the Roth IRA. Or Fidelity Roth IRA Portfolio . I’m thinking I should just invest in FSKAX (total market fund) and FSPSX (international fund) to keep it easy. Any contributions you make to your Roth IRA will go to the cash core. Good or bad idea? Fidelity has some great finds to use to put together a boglehead portfolio (FSKAX and FXAIX are good examples), First time using a 401k — for my Roth IRA I As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. i am 22 years old and have opened a roth ira & brokerage account through fidelity (my employer 401k is through fidelity). Roth IRA portfolio advice . The highs are great as already mentioned, but the lows can be lower. That being said I opened a Roth IRA with fidelity since that’s where my 401k is. I am 29, new to investing, and started building my Roth IRA with some of the fidelity zero ETF's - FZROX (60%), FNILX (30%), FZILX (10%) are my current ratios. Now, let's turn to the investments part of this post. 30%. I just wanted to get opinions on the best ETFs to hold in my Roth IRA. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. It has well outperformed the S&P 500 over the last 10 years. Hey guys just opened up a Roth IRA account last week with fidelity. i have never invested before, but would like to start in 2024. 5k planning to do the same. My current fund allocations as of 5/10/24: 45% into FXAIX As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. This is a great place for beginner and advanced investors to share knowledge! As the title states, I will be opening a ROTH IRA account with Fidelity after much debate whether I should go with Vanguard or Fidelity but it seems that both are good. i want to create a long-term wealth accumulation portfolio that addresses my retirement goals (in my roth ira) & 5-10 year investment goals (in my brokerage account). Do an 80% / 20% split of Fzrox and Fzilx. I’m looking to set to and forget it for the most part as I use a brokerage account to buy stocks such as NVIDIA Costco. after doing some research i've As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. This is a great place for beginner and advanced investors to share knowledge! A Fidelity Go Roth IRA cannot be changed to a self-directed Roth IRA There are no fees for transferring a Fidelity Go account to a non-managed account; however, you may have Fidelity Go account fees that have accrued that you will be responsible for. I’ve done a lot of research but I’m stuck between two allocation options. Any suggestions would be greatly appreciated, thank you! Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. I have some money in my money market but I am not sure what would be the smart move to buy more of. Be aware that Roth IRAs come with income limits as well as contribution limits. The 9 compelling Roth IRA benefits to know. It’s up to you, your goals, and your risk I have Fidelity for my Roth IRA. If you haven't already, you must first open a Roth IRA; use the link below to get started! Open Fan-run community for discussion of Fidelity's financial and investment products Currently 24 and looking to see if these funds are a good pick for my Roth IRA portfolio and if there are any i should change. I was looking at broadening my investments by including FTIHX but I'm not too sure what would be a good index fund for a three fund portfolio. I'm 28 and married, just started investing with Roth-IRA this year, planning to max out to 6000$. You're young, you have a Roth IRA, it's at a good brokerage rather than a bank or some crappy high-fee brokerage like Edward Jones, and you're interested in learning about doing it right. You'll want to pay extra attention to those numbers to ensure you don't overcontribute. As for your Roth IRA, it's great to see that you plan to take full advantage of your account by maxing your contributions every year. I am a newbie and I am not sure if I am investing my ROTH IRA correctly. I came across someone advising that these 2 mutual funds were a great combo to invest in. I had a little bit of a learning curve to figure out auto deposits and auto investing, but Fidelity has many domestic and international index funds that are competitive in terms of expense ratios. . For Fidelity taxable accounts I use ITOT, IXUS, and MUB. This is a great place for beginner and advanced investors to share knowledge! Get the Reddit app Scan this QR code to download the app now. As for your Roth IRA, both those funds are good. Income limits and eligibility may affect how much you can contribute, so don't forget that a tax professional is your best resource if you have questions about your specific situation. Hi guys, Looking to get a bit of advice on your guys recommended 2-4 fund portfolio for my Roth IRA. The other disadvantage is that Fidelity has to pay all the smart people who are doing research to find winner stocks to put in their actively managed fund. I have two mutual funds in mind to buy. The 3 fund portfolio is great for a An IRA is not a taxable account, so all those distributions are tax deferred for a Traditional IRA, or tax free for a Roth IRA. So the fund will have higher fees. I'm 25 years old and just opened a Roth IRA this year. com, clicking on your specific IRA in the left column, and reviewing the "IRA Contributions" box on the Summary Which 1 fidelity fund/etf would you hold for 30 years in a roth ira? Share Add a Comment. 30 votes, 48 comments. 50:30:10:10. I have some individual stocks that I bought on Robinhood 2 years ago when I was started looking into investing. I am 30 years old with an emergency fund established and no debt, stable job in the medical marijuana field making 65K a year. Rowe Price Equity Index 500 (PREIX) ER 0. As you mentioned, it is earning interest, which is likely the return you mention seeing. Find out how risk tolerance, age, and financial si What two or three funds would you recommend I invest in via Fidelity in my roth IRA to help me be able to retire in the next 30 years? We appreciate you choosing Fidelity for your retirement account! It's great to see you're prioritizing this at 24 years old, and I'm happy to point you in a few directions to get the ball I'd like to do an in-kind transfer of my ROTH IRA account from Vanguard to Fidelity. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about I recently just opened up a Roth IRA with Fidelity however I’m clueless on what to do next? I’ve spent literally 20 hours looking through every Reddit post. As an official Fidelity customer care channel, Feedback on Roth IRA portfolio . I'm 18 and looking at opening a Roth IRA since I just got a job. So I’ve recently opened a Roth IRA with Fidelity,contributed the maximum and have bought some SPY, and am looking to diversify the portfolio with a highly aggressive approach. This is a great place for beginner and advanced investors to share knowledge! Also I think fidelity offers mutual funds branded as "zero" because they don't charge an expense ratio. Visit the link below for further information on Roth IRAs and the current contribution limits. Rowe Price, this wiki article lists funds to consider in an IRA at T. Hello so I plan on opening a Roth IRA soon with Fidelity with a initial deposit of roughly $11,000 and a recurring deposit of $175 (btw I'm in college). Inspired by Warren Buffet's 90/10 rule I A 28-year-old software engineer asks for feedback on his Roth IRA strategy, which involves three buckets of funds: foundational, growth, and dividend. Market) 40% FZILX (International) I'm in my 20s, so I have a 100% stock portfolio. I will most likely max out my account as soon as I open it which should be $6k for this year. I am trying to wrap my head around retirement investing, taking into account advice on here and Bogleheads. 23M started investing in Roth IRA last year, Current Portfolio: As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Sort by: The most amazing place on reddit! A subreddit for sharing, discussing, As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Hey y'all, I'm 30 and opening my first Roth IRA account. Schwab? Good morning everyone, I (32M) just opened a Roth IRA with Fidelity. Fidelity vs. I know I have about 30-40 years until retirement so still have a good amount of time and can expose myself to a bit more risk. The whole portfolio (Roth IRA/401K/brokerage) is balanced across all 3 funds. However, it is more volatile. I'd like to be able to catch up for lost time but also not expose myself to too much risk. I was going to put a few thousand from my savings account into this IRA for starters, and invest into these 2 funds as follows: 70% into FSKAX 30% into FTEC Roth Ira Portfolio at Fidelity This is my first year in my Roth Ira I have max contribute 5. I was hoping to get an opinion and maybe suggestions on what I could improve in my current Roth Portfolio. You can mix in some BND now if you'd like to tamp down volatility Howdy, Folks! I'm relatively new to this system and been doing research as I go. 39/M: Recently opened a Roth IRA, a bit late in the game, but better late than never. 60% FZROX (Total U. I would like to have an opinion do I need to stick with the 3 ETS's or should I increase/replace them with other ETF's. So I set up my account last night and now I have to actually invest the money. You can review contribution limits and learn more about Roth IRAs at the links below. Hi, I opened a Roth IRA with Fidelity in December 2022 and have $12k available to invest. Does it only work if you have an open Roth IRA prior to the new year? Up to you, when you contribute, you can specify which year you are contributing, up until tax day. Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. Let's pivot and talk about picking investments. You're better off than a lot of the people who come here, but there's still work to do. I also just opened a Roth IRA with Fidelity and kind of in decision paralysis with the options available. But at Schwab, there's no international fund, so you have to cobble together your portfolio from two mutual funds and one ETF. S. Share Add a Comment. I have had a Roth IRA since I was 18 and have been investing max limit annually. Hello!! I just opened a Roth IRA with Fidelity and put $7,000 in as that is the limit for 2024 and I was looking to invest in As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. For my ROTH IRA at Fidelity, I use their Zero funds. vwgs yoaqxp xjwumyi hffkt rsqy dugrjll nadz ztoztw tjirdka yjwedn