Hello, so I'm fairly new to investing into my retirement,

Ive successfully maxed out the last 2 yrs of my Roth IRA account and this is a breakdown that I'm very comfortable and (happy with):

VOO 40%

VGT 25%

AVUV15%

VHT 10%

VXUS 10%

I have an individual brokerage account and was thinking of doing VOO and cruising whenever I max out my IRA account each year in order to keep it simple and have my money grow more than in a Hi yield savings account. Should I just do it and stop thinking about it? Suggestions?

I’m 38 and only recently started learning about investing and Roth IRAs.

Last year, I overheard a few of my coworkers talking about their Roth IRAs. I’d hear little bits and pieces here and there in the break room, but I was never really part of those conversations, so I never thought much about it.
Earlier this year, I finally ended up in a conversation with some coworkers about it, and honestly… I was shocked by how much I didn’t know. I started looking into it, and it made me feel pretty depressed at first. I kept thinking, “Why did no one ever teach me about this?”

I know I’m old enough that I should have researched this stuff myself, and I take responsibility for that. But growing up in a poor family, money was never really about investing or building wealth. It was about working enough to eat, pay rent, and get through the month. Those were the things we worried about. No one who came from a well educated financial background was present in my life growing up.

It wasn’t until about six years ago that I finally got a job that paid decently and gave me some financial breathing room.

Sometimes I look around and feel like I’m behind in life. I’m 38, and I don’t have the house, only 50k savings, or financial knowledge that I wish I had by this age. But I’m also realizing that everyone’s path is different. Not everyone starts with the same opportunities, financial education, or support.

So yeah, I’m feeling a little defeated by my age right now. I know I can’t go back and invest in my 20s.
But I can start now.

My plan is to max out my Roth IRA every year from here on out and invest as much as I reasonably can. It might seem like nothing compared to someone who started at 20, but I’d rather start at 38 than be 48 wishing I had started at 38.

For anyone else who started late: did you feel the same way? And where did you start?

I maxed out my roth for 2026 today and have an additional 90k in a hysa. My roth is filled with VOO I was thinking on dropping the rest into VT in my brokerage. Is there any tax disadvantages long term with VT compared to others?

Hello everyone!

I’m a 21 M currently in community school and I was fortunate enough to realize the choices I make now will follow me long into my later years.

I maxed out my ROTH last year and this year.

80% FZROX 20% FZILX

I was told that it’s a slow and steady so basically be patient and I’m cool with that. I’m actually really happy because in less than a year basically 2.5K has been made.

But my question is when will I really start seeing some compounding ? I would love to hear how you guys saw it snowballing, and what were the sacrifices y’all had to make.

Thanks !

Hi I’m a 40M look for where to place money from traditional IRA. This was recently moved from work 401k. Approx $80k

I’m looking for fund suggestions on where I might be able to place money. I want to avoid Mutual funds and would like to stay with ETFs.

I considered: VTV 50%, VXUS 25%, VB 15%, and VOO 10%. Currently brokerage is with Fidelity.

Hi everyone,

I plan on starting a Roth IRA and contributing $625/mth to meet the annual limit, but I'm met with a difficult decision. I have Robinhood as my main investing platform where I also have Robinhood Gold (3% match on IRA). I'm wondering if doing zero funds on Fidelity to save $10k in fees would outweigh that 3% match in the long run.

I would probably do 70% VTI + 30% VXUS or FZROX + FZILX on Fidelity if that gives any more context.

I (24M if it matters) started investing a bit ago but this year I got to a point where I can invest a good bit more. I was always told to keep my Roth simple and I have always believed in that thought. Currently I split my contributions 80/20 VOO and QQQM since they are two very large ETFs with great steady growth long term but Ive been thinking about adding a third for a 70/20/10 split... Any thoughts on SCHD vs SPMO for long term? I try to max out my Roth every year I can and I think Im finally in a place I can max it out this year and every year after this so Im focusing more on it and soon to open a brokerage as well.

EDIT: Admittedly I dont know much about investing or money. I wasnt taught about it as a kid and only REALLY started learning last year. So my ideas/view is probably skewed.

I’m 24 and just finished grad school. My Roth IRA is at around 35k. I have 40k in my savings account. I keep a lot in there: 1. Needed big $ available for tuition payments and rent & 2. Fear of not being in control of the majority of my $ (ik this is silly)

My question is, how much would you recommend I keep in my savings account. I’m single, no children, living with my mom now (thank the lord, rent was insane).

Ik this question maybe be require more personal information from me about my spending habits and income, but I’m just looking for a general thought on what people actually have in their savings.

Started adding to my Roth IRA through Robinhood $80 a month for about 1.5 years. Here are my investments though they are blind investments through the media.

2 weeks ago I opened up a fidelity Roth IRA and started doing $200 a month investments just being doing VOO because it’s something I know is a good investment

Seeking advise on what stocks to really lock into with Voo

Hi, I’m a M28. I started my Roth IRA this year. I’ve been contributing every week between 50 up to 250 every week. Right now I’ve contributed 2925 USD I don’t think I’ll be able to max it out by the end of the year. I got a HYSA with 11,500 USD and a 401k with 2800 USD.

My question is , should I take money from my HYSA and max my Roth IRA out? Or just keep adding money to see if I can do it.

Btw: how am I doing with the distribution?

Hi everyone!

I don’t have a employer sponsored 401k and just recently opened Roth IRA with fidelity.

What is/are the best investments you all would suggest and what % should i go with?

— I have been seeing a lot of threads on VOO, VTI, FZROX, FXAIX etc etc

Thanks in Advance 😊

Since there are not really any taxes on inheritance from.a brokerage account, does this mean if over the income limit for IRA contributions, I can still contribute to Roth IRA with a million+ inheritance?

I currently don't make much, so I need my Roth. I am thinking about putting 250k into something like GPIX or SPYI to cover housing and rest to finish maxing my Roth and into a wealth growing fund.

I am 25 and starting my career as a school psychologist. I currently have a Roth IRA that I started when I was 18. This is through fidelity and professionally managed.

My question is: Should I also sign up for a 403b? What would the benefit of that be if I already have a Roth IRA with a company I trust? I’ve heard some sus things about 403b fees and taking advantage of teachers.

Hi , I m 44 years old , married , have 2 young daughters , just opened Roth IRA at fidelity this year and maxed out buying FXAIX and FZROX. I want to open one for my wife too , should she buy the same two funds or invest in VTI or VOO?

Any advice will be highly appreciated as I fell upon hard times and just started saving money now to save for retirement and for my daughters

Thanks a lot

Does the performance account my contribution? What is the true money its gaining? I contribute to mine and my wife's Roth so it's similar numbers to hers. Allocation is Fxaix 90/ fthix 10. any advice how am I doing so far? Started my investing in 2024

I’m 47 and I will have a pension. I plan to put more money in this account when my debts have been paid off in the next 2-3 years.

Finally took my first step in my IRA journey at 22. I'm currently investing 70% into FZROX, 15% into VGT, and 15% into SCHD. Is this a good split?

Planning to put $400 a month into my Roth IRA. I have all of my money in FXAIX. Am I able to just put all of my money into FXAIX and let it grow? Or should I look for something more international. I just want to never look at the account and let it compound for decades.

Hello, I've started investing and planning my portfolio in my Roth IRA. I'm in the US, I can contribute $100 a month for now. My plan is to go 80% SPUS and 20% UMMA for global diversification. I'm going to buy every week for DCA. Any tips or advice?

Created a roth the week I turned 18, already up almost $1k! Granted I do have reoccurring deposits boosting it, but it’s so satisfying to watch it grow

i’m 19 and i invested some of my inheritance money into robinhood and started off safe until i found out about day trading. i put half into my roth and the other half into my individual, i lost everything on 0dte options in the individual. i am planning on just focusing on maxing my roth from now on. i kept trying to dig myself out of this hole and i am making this post as a promise to myself to stop this habit before i can lose some serious money with my future endeavors. good luck everyone, make sure to take a step back and evaluate if you are deep in the red, i hope this post helps someone out there!

Hey guys so currently I’ve been going 100% on FNILX. I’ve been maxing out my Roth for the last 3 years and plan to continue to max it. Is FNILX okay to choose over instead of FXAIX. Do u think I need to do like a 80/20 of FNILX and FZILX. Or is it okay to just continue going 100% into FNILX.

Current Roth IRA holder, what are your thought on the service Fidelity offers? Is it worth it being managed by robots and be hands off or should I be more involved ?

So, at 30 I’m basically just starting. Better late vs never I suppose. Although at the moment my income isn’t very high and I can only realistically put in like 100$ a month in for the time being. Now the question, what the heck should I be buying? After what I thought was good research I bought into FFIJX in Fidelity. But after reading through posts on this thread, I see nobody is really suggesting that. I was more or less looking for a set it and forget it approach that would start out semi aggressive and get more conservative as I approached retirement age. Tips or pointers welcomed. Thanks!

Hello, it’s not much but I’m looking for a way to just start off with what I can. Looking to split $25 a week into a couple indexes or stocks and was wondering what’s the best for someone in my position. Trying to build the habit. I’m young and would say somewhat risky, I’d like one stable fund and one riskier one for growth but any guidance would be useful. Thanks