I’m 21 and opened a Roth IRA this year. I maxed my 2025 contribution and allocated it 75% FZROX / 25% FZILX.
No plans to touch this money early.
Is this a solid long-term portfolio, or are there structural issues with this allocation (overlap, missing exposure, inefficient weighting)?
I’m still learning and want to understand whether this setup makes sense or if there’s better portfolios to look at