u/Broad-Tradition-6811

I just started a Roth IRA in April 2025. I'm looking for some advice on making sure I have a good portfolio to contribute and grow. I recently consolidated my portfolio

From

• FSKAX 50%
• PSPGX 13%
• FTIHX 15%
• FUMBX 6%
• GLD 14%

To just 3 funds

• FSKAX - FIDELITY TOTAL MARKET INDEX FUND - 75%
• FSSNX - FIDELITY SMALL CAP INDEX FUND - 5%
• FTIHX - FIDELITY TOTAL INTL INDEX FUND - 20%

Is this mix good?

Should I continue with Fidelity mutual funds or go with something else? If so any recommendations?

I have an ECAP Voya account with my employer that does 6% matching. I wanted to get a recommendation on a good portfolio. Here's what they provide for options.

Stability of Principal

• Stable Value Fund

Bonds

• Bond Fund

Large Cap Value/Blend

• State Street S&P 500 Index Fund
• US Structured Research Strategy
• Russell 1000 Value Index Fund

Large Cap Growth

• Russell 1000 Growth Index Fund

Small/Mid/Specialty

• State Street Russell Small Cap Index Fund - Class A

Global/International

• Capital Group EUPAC Trust
• EAFE Stock Index Fund

Asset Allocation

• LifePath Retirement Income
• LifePath 2030
• LifePath 2035
• LifePath 2040
• LifePath 2045
• LifePath 2050
• LifePath 2055
• LifePath 2060
• LifePath 2065
• LifePath 2070

Other

• The Self-Directed Brokerage Account

They have a recommendation engine, which I had been using pretty regularly on the most aggressive setting and adjust intermittently. This is what it currently suggests.

• Russell Large Cap Growth Index 11%
• Russell Large Cap Value Index 13%
• Russell Small Cap Index Fund 10%
• EAFE Stock Index Fund 18%
• S&P 500 Stock Index Fund 26%
• Bond Fund 7%
• Capital Group EUPAC Growth Trust 5%
• US Structured Research Strategy 10%

Does anyone have thoughts on whether these recommendation engines are good and if the portfolio they suggest is good? Last year I had a rate of return of 17%. It seems to fluctuate between 8-18% per year.