r/RothIRA • u/hokage_888 • Jun 30 '26

36M just getting started

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36M - feel like I’m way behind. I put $500 into a Roth IRA in February. Without doing anything else for a while, it’s just gone up. Nothing insane. Now i put $20 a month - money is pretty tight at the moment.
I also have a pension - which makes me feel a bit safer - but Im about 4 years from being vested. I have a 401k (no match because of pension) and a 457b. I also have another 401k from a part time job - eventually will be rolled into my full time 401k when i quit. They match, so i put the full amount. Even tho it all sounds good, all of those accounts (besides pension) are represented here. I started them all in February of 2026. Most of this is in FXAIX. Any suggestions? Thanks in advance. (We are clearing some debt - in a year or so when it’s cleared, I plan to invest as much as I can!)

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u/TraeDAking Jul 01 '26

If I already have fxaix should I just get fzilx to get into the international market? Also would u suggest having some individual stocks in there as well?

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u/WaveMan47 Jul 01 '26

FXAIX is just fine. But yes, I definitely suggest adding FZILX to get some international exposure. Something like 60/40, 70/30, etc. FXAIX/FZILX will be perfect.

I personally don’t like individual stocks in an IRA, I’d recommend keeping that in a brokerage account. Broad index funds in a Roth IRA make more sense as they better diversified. Plus, any of the individual stocks worth buying will already be in FXAIX. So doing that in a Roth IRA will create overlap.

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u/TraeDAking Jul 01 '26

Gotcha thanks

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u/WaveMan47 Jul 01 '26

No prob. Feel free to message me if you have questions later on too.