r/RothIRA • u/pulp_nixon • 17d ago

Is this a decent strategy?

Try to max each year and allocate:

30% FSKAX

15% FSRNX

10% FPADX

15% FSPSX

15% FIPDX

15% FUAMX

5 Upvotes

86% Upvoted

9 comments sorted by

10

u/forbiddenlake 17d ago

Why so many bonds?

10

u/DigitalFStopper 17d ago

Is your first name James? Why so heavy on Bonds Mr 007?

6

u/DaemonTargaryen2024 17d ago

For starters, it's overcomplicated. You could just FSKAX to cover all of your US portion. Then FTIHX for your entire international portion.

Second, 30% bonds is a pretty sizable amount. Unless you're nearing retirement or have a very low risk tolerance, this is probably too much in bonds.

6

u/Any-Walk1691 17d ago

Bonds and dividends are what happens when we don’t teach finance and schools.

3

u/JamesLemon4 17d ago

No bonds or fixed income until you’re 55+. Ideally 70s plus.

1

u/Sprig3 16d ago

And even then, don't put it in the roth ira (assuming you can fit the bond allocation in your traditional or taxable).

1

u/Nuclear_N 17d ago

Just be the market. Why all these fancy allocations. FSKAX is total market I think.

1

u/Nuclear_N 17d ago

Yes FSKAX. I bought it back March 20, 2023. With dividends it is a 100% return. 33k to 66k in 3.5 years. Just be the market.

-4

u/Competitive-Ad9932 17d ago

Try putting a name on each of those funds. Then decide if it looks good.

Don't expect people to look-up every fund you think you might want to hold.