So I started a Fidelity Go Roth IRA account 3 years ago because I didn't know much about investing and let them start me off. I did an aggressive growth and recently started my own self-managed Roth IRA and focused mainly on VTI/VXUS and also some QQQM and SCHD and was going to transfer the funds I had in the GO account to my self-managed account and just put all/most into VTI/VXUS.
Before I did I wanted to see what I would earn back on each one over 1 and 5 years (Jan 1 2021-26 and Jan 1 2025-26) and took VTI/VXUS and the 2 top Fidelity ones that they invested in most. If I just invested $1,000 in each and reinvested dividends:
1year:
vti- $1,194
vxus- $1,363
fdfix- $1,196
fitfx- $1,370
5 year:
vti- 1908.04
vxus- 1505.54
fdfix- 2013.66
fitfx- 1509.56
So they seem to be earning roughly the same as the Fidelity ones, so what is the advantage of me doing one or the other? Right now the GO account is free until I hit 25k which I'm almost there, so should I just sell off everything and put it into my self-managed one, or should I keep both still and when I get close to the 25k limit in GO, sell off a bunch and put that in my self-managed one buying VTI/VXUS?
Right now I contribute about 50/50 to each (like I said, just started self managed one in Sept), so is there any benefit to just doing one or the other or keeping both?