Hi everyone,
I've lurked long enough in this thread, that i'd love some honest feedback. I am a teacher in NYC and have a TDA (essentially a 403b) that I max out every year. I started a Roth IRA with Fidelity about three years ago, I do not max the Roth as I can't afford to as I max my TDA; but I try to contribute 4-5k a year, and automatically have Fidelity reinvest any dividends. Here for the long-haul as am unable to retire for another 23 years (unless there is a change to the retirement system).
Funds I currently have:
\-FXAIX (14 shares; I have recurring purchase setup for)
\-SOXX (1 share)
\-SPY (3 shares)
\-VOO (7.3 shares; I have recurring purchase setup for)
\-VUG (5.7 shares)
\-VXUS (8 shares)
\-XLK (4 shares)
1. I feel like I have overlap; does it make sense to sell off any to reinvest into other funds already have? (FXAIX and VOO I have set up to buy more every two weeks)
2. My main focus the last 12 months has been strictly FXAIX and VOO.
3. Wouldn't mind adding another piece or two to my portfolio as i've heard good things about qqqm, vig, vxus, schg, and wouldn't mind having one be more of a non-U.S. focused fund.
4. I will not increase the Roth contributions as it's what I can afford, my contributions are set to biweekly on Fidelity.
Thoughts and feedback would be greatly appreciated. Thank you.