[Kaylee]

I’m finally maxing out my ROTH IRA in May. I planned on throwing all 7k at FXAIX. Give me the good, the bad, the ugly.

I’m 100% focused on long-term growth and comfortable with market fluctuations. My time horizon is at least 20–30 years, and I don’t plan on touching this money until retirement.

FXAIX has a strong track record and very low fees, which makes it appealing, but I’m wondering if going all-in on one index fund is the best approach — or if I should diversify within the Roth IRA to reduce potential risk.

What are your thoughts? Is this too aggressive? Is there a better allocation strategy for someone with a long-term outlook like mine?

I’d really appreciate any advice, personal experiences, or things I might not have considered.

Thanks in advance!

[Ian]

I personally have mine in $VOO as I dislike the lack of price fluctuation on mutual funds.

It probably doesn’t matter a whole lot in a Roth IRA but the fact mutual funds only trade once per day annoys me.

[Kathy]

I have fxaix in 90% of
Mine with 10% in international but I only have 9 choices in my Roth IRA through work

[Scott]

Nothing wrong with tracking to the s&p as a start. Assuming you’re in for 10+ years.

You may want to add some international later, and a tech etf like soxx down the road.

Also, voo is the etf version of fxaix which gives you a bit more flexibility but, they are essentially the same.

[Author]

Posts