Long time lurker, and first time post. I’ve been doing research and consolidating a lot of my Roth and 401k into my own fidelity where I’ve created a brokerage, Roth and a rollover 401.
I’m still feeling out what to do about my brokerage but eventually I’m going to move about $20k into this account from a HYSA. Any pointers on what to avoid or what to read into is appreciated.
For my last rollover about $25k total. I have about $11.5k sitting for the rollover and $14.6k
Some of my allocations are as follows
Roth - FXAIX 73%, FTBFX 15%, and FSKAX 12%
Rollover - kind of similar FXAIX 41%, FTBFX 29%, FSMAX 8%, FDIVX 22%
So my questions are:
1. Is this a decent diversification of my portfolio?
2. What is a recommended approach that I should take for the money sitting in SPAXX?
3. Any tax considerations as I plan to put the remaining $20k into my brokerage account?
If I’m missing details I apologize but happy to hear any pointers or critiques because at this point I don’t know what I don’t know.