Portfolio advice- Am I missing something?
I am 34F and I am a beginner in investing. I joined my company’s 401k back in 2018 as a whim bc i heard it was good and haven’t paid much attention to it lol. Currently I max my employer contribution of 10% and it is investing in fidelity target date fund (currently at $65K) and I recently opened a roth IRA that I invest $100/monthly on 80% VTI + 20% VXUS.
Am I missing something? I heard about SCHD that im interested in investing but i don’t understand dividend stock that much and where best to have it in…and due to my age I also heard about bonds…should i be adding bonds? I also don’t get why open a taxable brokerage account and what to invest in it? lol (I’m in FL btw)
Goal: Build wealth and retire comfortably and have money for my children and teach them the importance of being financially literate because i did not have that growing up 🙃
Eventually I would like to max my roth IRA and contribute to my 3 children’s 529 but haven’t been able to yet since I’ve been actively paying off debt