I am a newbie at investing. I am 35 and finally started a Roth last month. Thanks to the good people here and research outside of reddit I've decided to do a 3 fund approach. Currently I have an allocation through fidelity of:
FSKAX 65% (US total)
FTIHX 27% (International)
FTBFX (8%) (bonds)
Unfortunately I just realized that FRBFX has a pretty high expense ratio of .45. at this point my contribution is so low that the cost isn't really a big deal, but going forward I want to find a better option for a bonds etf. Any recommendations? Thanks!