This Reddit thread has been very informative. Thank you! I’ve read hundreds of posts/comments and wiki but would still like opinions/ pro/cons and if the understand of my reading is correct before I pull the trigger. (Semi-long post)
I am 35. I have a traditional 401 through my job. Maxing it out.
FIRST PART:
I have a **fidelity brokerage account**. I would like to invest in **EFTs** here. After thorough reading my options are:
FZROX (zero total US)
FZILX (zero total international)
FXNAX (zero bond)
OR
FSKAX (total US)
FTIHX (total international)
FXNAX (bond)
OR
VTI (total US)
VXUS (total international)
BND (bond)
Which split is better? 60-30-10 split or 55-35-10 split?
I read to steer clear of fidelitys zero funds because if I need to move the money I would have to sell which can trigger a tax capital gain? But also read it’s a great option if you never plan to leave because of the no fees?
Since I have a fidelity account should I stick with their tickers versus the vanguard ones? Not sure which of the 3 options would be best.
Also in the my Roth I plan to use vanguard mutual fund tickers so would using fidelity tickers for ETFs over Vanguard ETFs help to diversify my overall portfolio? (See second part)
SECOND PART:
I have a **vanguard Roth IRA**. I plan to invest in **mutual funds** here. I just maxed out 2025 and 2026 via backdoor Roth IRA method (thank you to this sub because I was about to be f\*\*\*ed and didn’t even know it! My options:
VTSAX (total US)
VTIAX (total INT)
VBTLX (bond)
Same question about the split.. 60-30-10 split or 55-35-10 split?
These are my only options here. Good or recommend something else?
Thank you!