Just joining this group.
29F. Not working currently but may soon go back.
Traditional IRA, roth, and brokerage. Probably should have maxed the roth before doing the brokerage account - but hindsight is 20/20. I was paying an advisor 0.5% to manage these accounts and I am not sure why he didn't push back more on maxing the roth IRA. Feeling like we had too many investments and i want to take more risk than what i am currently in.
Transferring all of my accounts to fidelity right now. My brokerage account came over - we opened it in Jan 2025 and most are bonds and it hasn't made too much money vs. what we put in so I'm not overly worried about taxable event right now.
Recommendations for what to invest in? Should I transfer the max to our roth IRA's for this year and then put our normaly roth IRA monthly contributions in the brokerage account? Currently tax bracket after deductions is 15%, but anything I make would be 22% since we are on the border now. 6 months savings and 25% income can pay our mandatory monthly expenses.
Looking for recommendations on what to do with brokerage investment funds - what should i buy if I should max out our roth IRA's for the year with this?
I am also looking for what funds to put our IRA's into? I saw FSKAX/FTIHX 70/30 for IRA recommendations. Also thought about doing 100% into FXAIX - but i guess that may not give enough diversification.
Fidelity advisor recommended doing target asset allocation fund for 70/30 or 60/40 for brokerage account... but I think there would be better funds out there for lower expense ratios.
Brokerage funds $35K:
- FEPIX - 16% - fidelity advisor total bond
- GOVT 13% - treasurey bond
- SPYM - 9% - portfolio S&P500
- ACWX - 9.11% - TR MSCI ACWI EX US
- FIVQX - 9% - Fidelity advisor international
- FTRIX - 7% - fidelity advisor mega cap stock
- IWF - 7% - ISHARES TR RUS 1000 GRW ETF
- IWD - 5% - ISHARES RUSSELL 1000 VALUE ETF
- ILCG - 3% - ISHARES TR MORNING STAR GRWT
- IWS - 3% - ISHARES RUSSELL MID-CAP ETF
- AGG - 3% - ISHARES CORE US AGGREGATE BOND ETF
- FXAIX - 3% - FIDLEITY 500 INDEX
- FCNWX - 3% - FID ADV CONSERVATIVE INCOME BOND
- FSFNX - 2% - FIDELITY ADVISOR FOCUSED STOCK CL I
- FVDNX - 2% - FIDELITY ADV VALUE DISCOVERY FUND
- FIMX - 2% - FIDELITY ADVISOR MID-CAP II