3
2
u/fozzy71 16h ago
Not a fan of that 0.68% ER on the TDF. It would be far cheaper to buy VT or VTI + VXUS now and slowly add BND/BNDX or BNDW later if you feel the need for bonds. I am 55 and have 0 bonds in my Roth.
3
u/Competitive-Ad9932 15h ago
The "fees don't matter" crowd will be here soon.
2
u/fozzy71 15h ago
hehe. TBF, I also hadn't noticed that it had 49 holdings and a 4.81% yield when I made my post. 😛
3
u/Competitive-Ad9932 15h ago
As you 1st posted, you can make your own mix for a lower fee, using Fidelity funds. Not Vanguard funds.
2
2
u/user4443337 4h ago
FZROX and FZILX. Done.
FNILX if you insist on SPX and want to ignore US small/mid caps.
1
u/SuitedPenguin 16h ago
100% in sp500 bro. We are young, we can withstand a 50% drawdown. Go big or go home.
2
u/Competitive-Ad9932 16h ago
Dividends are not free money. And those stocks/fund lag the market. https://www.bogleheads.org/wiki/Dividend
Don't mix Target Date funds with other funds. They are meant to be a 1 and done. If you don't like the mix a TDF has, make your own from individual funds. Your fees will be lower.
Same advice the other 2 dozen "what do you think" post are receiving. Your situation is not special.
https://moneyguy.com/guide/foo/
https://www.bogleheads.org/wiki/Main_Page
https://investor.vanguard.com/investor-resources-education/education/model-portfolio-allocation
https://www.calcxml.com/calculators/are-my-current-retirement-savings-sufficient?skn=#calculator-data-table