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28 July 2021
19:32 hour

I already got my Roth 401k set. But how should I invest in my Roth IRA to diversify my entire portfolio and receive greater returns?

Reddit Stock Market

22/07/2021 - 00:44

I’m with Fidelity and I’m 18. My Roth 401k is already set. Its US/international stock is essentially the total world stock market (3:2 ratio), and my US stock is essentially the total US stock market (17:3 ratio 48% VANG INST 500 IDX TR, 9% VANG SM CAP IDX INST (VSCIX)), and I’m doing 5% bonds. What’s the best way to invest in my Roth IRA for a greatly diverse portfolio (which is my Roth 401k and Roth IRA combined) that will receive greater returns? I want to use the Fidelity ZERO ER mutual funds, which are FNILX, FZIPX, FZROX, and FZILX. I don’t have to worry about the ER, obviously. The worry is diversification and returns. I know I need to make sure I have mid-cap exposure in my Roth IRA.   submitted by   /u/Astronaut-Ordinary [link]   [comments]


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    I am 24 years old and have opened a Roth account last month at Vanguard but have never bought anything after my first contribution. I was hoping the investors on this subreddit could help me out with some advice on my Roth IRA. Currently, I just maxed out the contribution for this year but it is just sitting there and I don’t want to waste anymore time. After looking online, I decided to go with a 3-fund portfolio overall (currently will be 2 fund) with VTSAX and VTIAX but they both require 3k minimum so I figured I would put 3k in each. I can’t contribute more than 6k because of the rule so next season I would put 3k into the bonds and then mainly put contributions to VTSAX and then some into VTIAX. Is this a valid strategy or is there a better way of going about it? Goal that I would work towards - 60% VTSAX - 30% VTIAX - 10% VBTLX My goal is to not touch this money for a long time as this is working towards retirement. I have an emergency fund already and after this, I’ll slowly put some money in a brokerage account with a diversified portfolio. I chose these because of the automation and similarity between VTI (for example). Should I have just down the ETF equivalents since I’m limited in how much I can contribute because of the rules?   submitted by   /u/MagikIndian [link]   [comments]
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  48. High earning monthly/quarterly Dividend stocks. (20/02/2021 - Reddit Stocks)
    So I have pretty much figured out the entirety of my brokerage portfolio with the one exception of some high earning dividend stocks. Personally I am looking at 5 to invest in when my income tax return comes in, those 5 are SU, ISBC, PSEC, GAIN, and PFLT. I was wondering what y’all thought on these 5 and if there were any others I should look at instead? I’m wanting to just have these stocks at the bottom of my portfolio constantly reinvesting their dividend so that in a few years (30+) I can retire and live off of monthly dividends and SS. I’m planning on investing between $100-$500 into both my brokerage account, which these stocks will be in with the rest of my portfolio, and my Roth IRA, which is my retirement fund that is split between ARKK, ARKX (when it launches), SPYD, MSOS, THCX, and finally O. If you have any opinions on these or other stocks I should look at I would love to read them. Thank you for any help, this is not financial advice, just a dumb question cause I’m looking to be told I’m doing something right as I’m fairly new to personal investing and only ever just put money into my Roth IRA before this year.   submitted by   /u/TheFondestComb [link]   [comments]
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  49. High earning monthly/quarterly Dividend stocks. (20/02/2021 - Reddit Stock Market)
    So I have pretty much figured out the entirety of my brokerage portfolio with the one exception of some high earning dividend stocks. Personally I am looking at 5 to invest in when my income tax return comes in, those 5 are SU, ISBC, PSEC, GAIN, and PFLT. I was wondering what y’all thought on these 5 and if there were any others I should look at instead? I’m wanting to just have these stocks at the bottom of my portfolio constantly reinvesting their dividend so that in a few years (30+) I can retire and live off of monthly dividends and SS. I’m planning on investing between $100-$500 into both my brokerage account, which these stocks will be in with the rest of my portfolio, and my Roth IRA, which is my retirement fund that is split between ARKK, ARKX (when it launches), SPYD, MSOS, THCX, and finally O. If you have any opinions on these or other stocks I should look at I would love to read them. Thank you for any help, this is not financial advice, just a dumb question cause I’m looking to be told I’m doing something right as I’m fairly new to personal investing and only ever just put money into my Roth IRA before this year.   submitted by   /u/TheFondestComb [link]   [comments]
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