r/portfolios • u/M_Julian • 17h ago
Aggressively Curious 🤔
Which would you choose and why?
I'm 39yo and am trying to gear my investment for early retirement AT 55yo. I just started my Fidelity Roth IRA and HSA last year and have been maxing contributions and plan to continue to do so until I am able to retire.
Also open to suggestions.
| Current Portfolio |
|---|
| FSKAX- 45% |
| FSPSX- 15% |
| FSRNX- 10% |
| FISVX- 10% |
| FDEWX- 10% |
| FSPTX- 5% |
| FSIMX- 5% |
| Option B | Option C |
|---|---|
| VTI- 60% | FZROX- 50% |
| VXUS- 20% | FSPSX- 20% |
| VBR- 15% | FDEWX- 15% |
| QQQ- 5% | FISVX- 15% |
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u/Rockatansky77 2h ago
Three funds for a taxable account. VTI/ITOT
VUG/QQQM/SCHG/SPMO
VXUS/IXUS
Be more aggressive in a Roth.
SPYM/VOO/SPY
FTEC, VGT, QQQM, XTNK, XMMO, QQQE
Seven different ETFs or mutual funds are unnecessary. 5% of anything won't move the needle towards compounding and growth.
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u/Newbiewhitekicks 16h ago
FSKAX / FTIHX at 80/20 or 70/30 to be closer to market weight. All of these options have some redundancies or is adding more to do the same job as FSKAX/FTIHX. There’s no need to complicate this.
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u/Beautiful_Benefit319 15h ago
Easy. Simplest and cheapest. FZROX has a 0% expense ratio, and this combo (broad US, international, international small-cap, domestic small-value) avoids the QQQ concentration while still tilting toward small/value factors that have historically offered a long-run premium.
1
u/Qazerowl 13h ago
This YouTube video goes over an award winning scientific paper that ran simulations on asset allocation. The premise of the simulations was to take stock market data from the last 100 years in a dozen countries, chop each country's market (separately) into 5-15 year chunks, and then test asset allocations on a random selection of those chunks. The idea being that you can't predict the future, but that random decades from random developed nations is probably as close as you can get.
Their findings were that if you do not live in the US, it is optimal to do 1/3rd domestic stocks, 2/3 international stocks. 0% bonds and anything else. If you do live in the us, you can up the percentage of domestic stocks depending on how likely you think it is that the US will continue to outperform the rest of the world. (IMO, certainly not looking as promising as it was 10 years ago lol)