[USER]

I’m new to investing and I need your help.
I have 2 accounts traditional and roth IRA > I’m with fidelity and not sure what would be best to invest in VOO etf or Fidelity zero large cap (mutual fund)?

For diversification, should I setup a brokerage account (non-retirement) with Fidelity/Vanguard to buy VOO?

is this a good move or just a duplicate to my first point? My IRA fund is mostly sitting in Fidelity btw.

I feel that I am stuck in analysis paralysis and I need this push to just buy and get started on my journey.

For reference I am 27 years old living in the US.

Any tips/advice are highly appreciated for my research.

[Raakhi]

I totally understand your concern.
How confident are you that it is invested appropriately based upon your age and the % in each fund?

If I can share some ideas with you, and I do a good enough job of explaining them, would you be willing to consider discussing some alternative investment options?

[Matheny]

Pick VOO (or FZROX if you prefer) inside your IRA and buy it now. Set automatic contributions monthly if you can.

Once you’re contributing regularly to your IRA, open a Fidelity brokerage account and start buying VOO there too even if it’s just $50–$100/month.

Stay consistent. You are planting seeds now that will grow massively over the next 30/40 years.

Don’t jump in and out investing is about buying and holding. Ignore the noise. 100% stocks is perfectly fine at your age if you can stomach market ups and downs.

A simple rule: “Age in bonds” if you’re 27, you could have something like 90% stocks, 10% bonds or even 100% stocks for now if you’re aggressive and emotionally strong.

[Debbie]

You should invest in brokerage account, it’s amazing
I also use it.

[Author]

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