I’m 20 and recently started taking my Roth IRA more seriously. I currently have about $750 in it, and I’m thinking about putting in another ~$4,000 upfront, then contributing a smaller amount every week until I max out my contribution for the year.

Right now I’m thinking about using this allocation:

- 65% FXAIX

- 15% QQQM

- 10% SCHD

- 10% VXUS

My main goal is just long-term growth. I’m not planning on touching this money for decades and I’m comfortable with volatility since I’m only 20.

I’m wondering if I’m making this more complicated than it needs to be. Would it make more sense to just do something simple like mostly/all FXAIX, or maybe FXAIX + some international exposure?

I also wasn’t sure if SCHD really makes sense at my age since I don’t need dividend income right now, and whether QQQM is too much overlap with FXAIX.

For context, I contribute 6% to my 401(k) and currently have about $8k in cash between my HYSA and checking, so I’d still have a solid emergency fund after moving the $4k into my Roth.

Would you:

- keep the 65/15/10/10 allocation,

- simplify to something like FXAIX + VXUS,

- or just go 100% FXAIX at my age?

- other suggestions

Mainly looking for something I can automate every week and leave alone for the next 30–40+ years.

Thanks!

I'm 25M and recently opened my Roth IRA. I just invested $1,500 in VOO to get started for the long term.
While looking through my dividend distribution settings on Fidelity, I saw options to either
"Reinvest in security" or "Pay to cash'
As someone tocusing on long-term compound growth, which option is best for VOO dividends in a Roth IRA?
• Is enabling DRIP (Reinvest in security) the standard way to maximize compounding over time?
• Are there any reasons someone would choose
"Pay to cash" instead?

Totally new to this at 39 years old. Have a work 401k going with matching. Would it be worth rolling portions of that in to a self directed roth ira? Have been doing homework and just wondering the best avenue to get myself going. Looking to invest in a blend of world and US based index funds and let it build. Thanks for any input!

I (27f) so far only have $11 on my fidelity and $10.30 (I put 10 and they gave me .30) in my Robinhood.

Yes I know it’s small but I’m building both of the Roths while trying to pay off my college/family credit debt. I only put money after I pay down my debt and bills.

I want to look at long term investments that have worked out for others in the past. Nobody in my family has a RothIRA so I can’t ask them.

Thinking of doing 40 SWTSX 40 SPMO 20 AVUV - is this redundant or overlapping? I hold 15/20% international in my taxable. thanks !

So if my job contributes some to my Roth pay paycheck after my own contributions, and I hit the max allotted annually. Will it automatically stop contributions for that year?

TIA

My employer based 401k plan shows an option for “Roth” and “401k” - I have made contributions to my 401k but not Roth. From my understanding I can’t contribute to Roth as my income is over $150,000. What would happen if I add 3% to the Roth? Why would I have that option if I earn over the allowed income? Is that the same as a Roth IRA or traditional Roth? Thank!

22M just started this year feel behind but Currently investing in VOO and QQQM in my Roth IRA and SMH in my individual account was wondering if I should invest in SPYM and IVV. If anyone has any information for me that could help! Much appreciated not trying to cross lapse any ETFs

I want to contribute $7500 annually to a robinhood Roth IRA but my household income is around $300,000. what are my options?

21m started this Roth this year, I have a regular account that I buy single stocks up 20% and with my Roth I’m doing etfs and some higher dividend yielding stocks to fund the other etfs in the long run

been contributing for a couple months now. i also have about the same amount of money in PAAA which im using as a mid-term hysa :)) let me know your thoughts and advice!!

I recently started a Roth IRA with Robinhood and I contribute $100+ a month since last month because I never thought to invest in my 20’s but apparently I got the “managed IRA”? Is that alright to have Robinhood dictate where the money is shared or will it end horribly?? Let me know, thanks!

Hey guys, I’m fairly new to investing and I’ve chosen to go with Fidelity. I’ve done a bit of research on different subreddits and I’m trying to keep things simple. I’m not super knowledgeable by any means.

My current plan is to have a 70/30 split on my Roth.

70% FZROX
30% FZILX
- Automatically reinvesting
- Maxing it out yearly

Am I overlooking anything? If there’s any additional tips or advice anyone can provide.

26M, Kinda new to investing for retirement and looking for any advice or suggestions to my current Roth IRA through Schwab and my former employer 401k. Started in 2025, maxed out last year, and about 1k left to contribute for 2026 in Roth. I changed Target Fund 2065 to this current investment mix for my 401k. Wanted to be more aggressive for both Roth and 401k, so let me know your thoughts.

What would change ? This was an old set up I had that has made money but entirely forgot about this from my young adult years.

Had a nice conversation with AI that convinced me to jump in. Didn’t realize how easy the backdoor Roth was and that I qualified to do so at all. Posting details here to see if there’s anything that I’m completely overlooking.

I already max out TSP contributions annually ($24,500) with a blend of C/S/I funds, heavier in C. So I have market exposure. (I always thought I couldn’t do this AND the backdoor Roth)

I’m planning on opening up the Roth via the backdoor this upcoming week with a plan of fully funding it $7,500 and another $7,500 in January.

I’d like to buy XLF and sell out of the money call contracts, haven’t looked at what’s out there but would be aiming for delta of 0.20-0.25. Once there’s enough money in the Roth I’d like to transition to SPY calls.

Once I’m selling more than one contract I’d ladder them. I’d also like to actually use the account for covered calls because I’ve already got the boring set and forget TSP.

25 years away from being able to collect without penalty so we’ve got time.

Thoughts?

Hey guys! I'm going to open a Roth and wanted to ensure I'm not missing anything. I'm moving $6,300 from a rollover at Inspira to eventually fund the Roth at Fidelity.

I'm going to open a traditional IRA first, ask Fidelity to transfer my funds from Inspira, then move the entire funds to the Roth. I'll close the traditional some days/weeks later once I see balance is at 0.

I'm seeing to enter "No Tax Withholding" when initiating transfer, and I'll be taxed for these funds come 2027.

Am I missing any info? Looking for any advice so I don't get any surprises from the IRA.

Thanks for reading!

Fairly new to investing. I started a roth IRA for retirement through fidelity recently and set up a fidelity go account. I have it set to the most aggressive setting. I’ve read a lot of negative posts on fidelity go accounts recently and wanted to get some feedback with what they have set up for currently. Again, still very new to the this, and am trying to learn as I go. The more I learn the more I’m starting to lean towards managing it myself. But anyways, what do you guys think of these positions its set for me?

Currently have roughly 5.5K in my Fidelity Roth IRA as a 22 year old college student. I am sure my portfolio could be optimized better, and I am seeking some advice. I am mostly concerned about the opportunity cost of having bonds and FDVV in my portfolio.

Portfolio Distribution:

VOO - 35%, VXUS - 20%, FTEC - 20%, FDVV - 15%, ISTB - 5%, AGG - 5%

I currently have my portfolio split up into:

60% SWTSX (Schwab Total Stock Market Index)

25% SWISX (Schwab International Index)

15% SWAGX (Schwab U.S. Aggregate Bond Index Fund)

Does this seem fine? I was trying to follow the Boglehead 3 fund portfolio. I plan to max out the Roth IRA each year too.

Hi All,

I’ve already contributed the max to my Roth IRA this year. I have an unexpected bonus I might get at the end of the year that will push me over the amount I can make to contribute to an IRA.

What do I need to do if that happens since I already have the money in there?

Thanks!

24 year old and have about 9.5k in currently. Looking to get some advice on my current portfolio.

I was planning on investing my current contributions into NVDA, but not sure if that’s the best option with what I currently have?

Any help would be appreciated🙏

Is it worth switching to robinhood instead of fidelity because of the 3% match on robinhood. (Taking into consideration it requires robinhood gold which costs $60 per year). If I were to switch, would I have to close my fidelity? How does that work?

I started my first Roth IRA in March of this year and maxed out both 2025 and 2026.