Just maxed my 2025 Roth IRA and HSA, and planning to do the same for 2026 Roth soon. I’m 32, using Fidelity.
Currently I have about 26k from 2024 invested 60/40 VTI/VXUS. For the new contributions, I’m debating whether to:
- Keep a similar US / international split (FXAIX or VOO + VXUS), or
- Go heavier US, or even all in FXAIX/VOO since I’m still relatively young.
Curious what others around my age are doing and whether it makes sense to change strategy or just stay consistent. Appreciate any thoughts.