FDKLX
FIDELITY FREEDOM INDEX 2060 FUND INVESTOR CLASS
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Target fund vs self rebalancing three funds for retirement?
22 Recent college grad, should I put my new investment money into a Target Date Retirement Fund (FDKLX) or an Index Fund (FSKAX)?
Helping my Aunt with her retirement portfolio (~800k). Input welcome/appreciated.
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Possibility but I’ll stay diversified with my FDKLX in ROTH IRA and just push FXAIX/FSPSX in my 401k Roth w match 😂
Here's the guide: https://www.reddit.com/r/personalfinance/wiki/windfall/ The shortcut is: 1. Yep, pay off the debt 2. Then fill HYSA with about six months' of living expenses as an emergency fund 3. Then contribute to IRA and buy an index target date fund (Fidelity FDKLX, Vanguard VTTSX, Schwab SWYNX).
If your goal is retirement then you should be doing this in a tax advantaged way. Either in a traditional IRA that you don't need to pay tax on when putting money in (but do on taking it out), or, in a Roth IRA where you pay tax going in but not out. Which of these is better depends on how much you make and if you are already maxed out on one. If you have access to a health savings account (HSA) then that can be used similarly (and with the money in it invested) and is also tax advantaged. HSAs are typically only available to those with high deductible health plans. There are also funds for future college use (usually for kids). Various banks offer these and there is (IMO) not that much difference between them. As to what to invest in: a target date index fund like Fidelity Freedom® Index 2060 Fund (FDKLX) with a .12% expense ratio is probably a good idea. IMO expense ratios above ~.25% should be seen with skepticism (or just avoided). Others might feel that you should put it in VOO and then move into bonds when you get close to retirement (basically mixing your own target date fund). The expense ratio draws off the principal so if you are getting 7% returns but are being charged .5% expense ratio than 1/14th of all your gains are just going to the manager. Indexes make sure that you are in a broad range of things and pretty well diversified. EXTREMELY IMPORTANT: Retirement is for retirement. There are large penalties for taking that money out early (some special situations allow it without penalties). If instead you plan to buy a house in the next 5 years with the money then the advice would be very different.
You don't need multiple funds to be very well diversified. This can be easy - target date funds You would need to decide for them now what target date you want. If your intention is for them to start spending it at the age it is turned over to them, say for things like post high school education or home down payment, then a target date of when they will receive it. Otherwise you could pick the target date for when they reach some other age, like retirement age \~65, or something in between. You can change your mind about what target year to put money in at any time. Index target date funds are made up of total world stocks of about all of the investable stocks in the US and outside the US with market cap weighting and some bonds. The closer the target date, the more bonds. You will get what the market does. Getting what the market does sounds weak. Getting what the market does is better than trying to beat the market and failing. Trying to beat the market consistently usually fails. You will be giving one a 10 year investment and the other 20 year. You may feel that putting more into the 10 year one is appropriate - I would. There is no way to guarantee equal outcomes. Fidelity Index Target Date Funds: [https://www.fidelity.com/bin-public/060\_www\_fidelity\_com/documents/SHDOCS/FDKLX/hosts/sh\_comm\_pmqa.002216.RETAIL\_pdf.pdf](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/SHDOCS/FDKLX/hosts/sh_comm_pmqa.002216.RETAIL_pdf.pdf) I am not a fan of UGMA. The G in UGMA means gift. You can't take the money back or withhold it. The money becomes completely theirs at 18 or 21 in some states. You will have no control over what they do with the money other than by parental pressure. We never know how children will turn out at 18. If they head into a wastrel lifestyle they will have the money to self destruct. There will be nothing you can do to stop the money for that. I was not a complete loser at 18, but I would not spent the money wisely. Good luck
What the fund(s) cover is what is important, not the number of funds. One fund, like a target date index find (one example being FDKLX) is fully diversified within stocks (S&P 500, US extended market, international) and includes bonds (and will eventually increase bond as the target year approaches). Some funds have heavy overlap or even are fully included in another (think S&P 500 and US total market: the S&P 500 is a proper subset of the US total market), so I'm this case hosting 2 funds would actually make you less diverse, not more. Consider this: https://www.bogleheads.org/wiki/Three-fund_portfolio The bonds are the part that adjust risk level. More bonds equals less risk. Alternatively, a target date (index) fund is effectively the 3 fund concept in a single wrapper, managed for you.
Find a fee-only CFP in your area. They are fiduciaries and are legally obligated to act in your best interest. You can meet with them 1-4 times per year and you pay a one-time fee per meeting. https://www.letsmakeaplan.org/find-a-cfp-professional EJ is going to charge you an ongoing AUM fee and may or may not be fiduciaries. Open a Fidelity account and put anything you don't need within 5 years in a target date index fund corresponding do your approximate retirement year. This is like the least complicated most hands off investment option. This will be something like FIPFX (2050), FDEWX (2055), FDKLX (2060), or FFIJX (2065). This all assumes you have a 6 month emergency fund in an interest bearing account.
Thanks, that was another question of mine is how easy it was to sell my current FDKLX stocks and move them to something else. So I wouldn't lose money selling them? I mean, it is currently down $7 from the $7000 I put in, but if that was it, that's fine. Also, it's been like 18 days since I put in $7000, but I thought it would be up a bit, at least.... lol
Huh, i've never seen that before. It seem rather specific and arbitrary. Back to your question, the reason why most people here advocate for one simple index fund is because it's purely growth, specifically in the US. So they forego bonds and international investments of a target-date fund or three-fund portfolio. No one can tell the future and past performance is not indicate of future performance, etc.., but the US has historically outperform international stocks so if that's what you want then yes, you can just sell FDKLX and buy FXAIX. Some brokers can just swap the mutual fund for you in one step.
The FDKLX isn't a bad choice, it's just a very basic 'for dummies' choice. If you know what you want to do, and that is to go a little more aggressive, then FXAIX is fine. I would recommend FZROX, though.
Hey, I just started a Roth IRA account and was reading the Personal Finance wiki, which says to invest in the freedom index funds until you have $50,000 or more invested. Right now, I just have the $7,000 invested from maxing out this year. So I have it invested in FDKLX. After reading posts on here, it seems like people disagree with this and that I should put it in FXAIX instead. Is that the agreed upon opinion here? And if so, am I able to take the $7,000 in FDKLX and move it to FXAIX?
Hey, I just started a Roth IRA account and was reading the Personal Finance wiki, which says to invest in the freedom index funds until you have $50,000 or more invested. Right now, I just have the $7,000 invested from maxing out this year. So I have it invested in FDKLX. After reading posts on here, it seems like people disagree with this and that I should put it in FXAIX instead. Is that the agreed upon opinion here? And if so, am I able to take the $7,000 in FDKLX and move it to FXAIX?
FDKLX is made up of index funds. There is no "less returns". There's "less returns" than just investing in the S&P500 for the past 15 years but that's not the goal of a TDF. And if you just wanted maximum recent performance you wouldn't invest in the S&P you'd invest in some growth index like VUG or FBGRX which have killed the S&P the past 10+ years. But why stop there? Fidelity's semi conductor fund FSELX has outperformed all of those funds over 10 years
You're overthinking this. You're young, FXAIX is perfectly fine. FDKLX is also perfectly fine - it honestly won't be THAT different.
Past performance does not equal future returns. FDKLX is likely to outperform on a risk adjusted basis given its composition.
Nothing wrong with this plan. If you had to pick 1 fund this would be it IMO. If I were 26, however, I wouldn't put any money in bonds. FDKLX is 10% bonds. I would do something like 80% US equities (FSKAX or FZROX) and 20% International equities (FTIHX or FZILX). Rebalance annually. The most important thing though is to continually contribute and never panic sell in downturns. Because there will be downturns.
Fine, I'll say it: it's not great at your age. You would probably see higher returns investing in a S&P 500 or total stock market index fund and will likely lose less of it to expenses (FDKLX has 8x the expense ration of FXAIX). You can always revisit the decision in 10-15 years when having more conservative assets in your portfolio will be more relevant. You might want to look at the graph [here](https://fundresearch.fidelity.com/mutual-funds/summary/315793695) of FDKLX vs S&P 500. That being said, it's not a terrible plan; it just probably will have lower returns than other options. If you did decide you wanted to have a diversified portfolio you can get away with just spending 10 mins a year rebalancing to your desired ratios in index funds you and save on the increased expense ratios target retirement funds often have.
No, compare the performance charts of FDKLX vs the S&P 500 (FXAIX) and Nasdaq. It sucks. You would probably be missing out on hundreds of thousands of dollars.
If you prefer a more hands-off approach with automatic adjustments, FDKLX is a solid choice.
Hello, When I was younger I put some money into mutual funds. In college I worked at a restaurant that gave me access to a 401k. I put both pre and post tax funds in. When I left, these were converted into IRAs. My current split is a bit redundant and looking for advice on how to consolidate IRA: FXAIX - $2400 FZILX - $600 FZROX - $650 = $3650 Roth IRA: AAPL - $400 (will not sell) FDKLX - $1300 FSKAX - $39 (lol) FXAIX - $29 (lol) VTI - $2200 = $3900 I am willing to take any tax hits now to get these portfolios in a better position. Goal -maximize tax advantages by putting right type of stock in right type of account. Minimize redundancy (i.e. either FSAIX or FZROX or FSKAX but not all 3)
>Do you have an example I could look at in which a target date fund you recommend over the SP500? FDKLX. SWYNX. VTTSX. These may be to young to see it directly, but instead look at what they hold (that can effectively be boiled down to being the 3 fund portfolio) and look at how different parts of that would have performed over various points in history. Obviously recent years have favored US large caps. However about half the time it is international that is doing better. Not all drops are like 2022, bonds would have helped much more during say 2008 (where we didn't have the rapidly increasing interest rate environment, as that's the big risk with bonds). >which out performed the target date funds Over what time period?
As all stock, S&P 500 may have higher expected long term returns than the target date fund. However: >Right now I have a few thousand in fdkvx but have read maybe that is not the wisest choice. Look into FDKLX instead, as it is index based and far lower expense ratio. >What are the pros and cons of funds like that vs buying VOO or other similar funds? S&P 500 only means taking on an uncompensated risk of single country risk. Uncompensated risk is a risk that doesn't bring higher expected long term returns. Uncompensated risk should be avoided whenever possible. Compensated vs uncompensated risk: * https://www.whitecoatinvestor.com/uncompensated-risk/ * https://www.pwlcapital.com/is-investing-risky-yes-and-no/ >Uncompensated risk is very different; it is the risk specific to an individual company, sector, **or country.** S&P 500 would mean removing some compensated risks that are included in the TDF would provide roughly market cap weight exposure to. I have over a dozen links on hand that can help show why going global is probably better than US only. By going S&P 500 only, you'd need to figure out a plan for safety as retirement approaches.
Screw it, I am in first thing tomorrow. Selling all of my FDKLX shares today at market close
You can also compare FDKLX vs FDKVX (I just happen to have this pair's symbols memorized) to see the difference between the composition of the index vs non-index for the same year for Fidelity's TDFs.
Yes. FBIFX will change the ratio as the target year approaches and possibly even for a few years after. The "index" vs non-index refers to how the component funds are designed. FBIFX is a collection of index funds, non-index TDFs use actively managed component funds. You can look at the composition of FQIFX, FBIFX, and FDKLX to see different points along the path.
Looks good dude. What’s TDF? Roth could prob just be 100% FDKLX
>From what I'm tracking, the FDKLX is outperforming the S&P500 Where are you tracking that? What time period? I just use FZROX/FZILX in my Roth IRA. Dont care how they are doing short term just buy every January.
Hey - while the other commentors are right in that FDKLX has not outperformed the S&P500, given that [a passive target date fund](https://www.diyfi.co/retirement/what-to-buy-retirement.html) is a breadbasket of US and foreign equities that will shift toward bonds as you age, [there is still good reason to not fully shift toward the S&P and to carry US small/mid caps as well as international](https://www.diyfi.co/investing/what-to-buy.html#us-v-int), especially when you draw historical trends back. A TDF will allow you to set it and forget it and will give you far more diversification. Keep buying FDKLX and stay the course.
In no universe has FDKLX outperformed FXAIX.
Looking for some advice on how to invest when at the end of the order of operations: 29M - America - 75K a year I have a solid emergency fund in a HYSA and no debt. No HSA through work under current insurance. Already Maxing 401K and IRA - 401K and IRA are both 2060 TDFs. SS TRGT RET 2060 M and FDKLX respectively. I've seen the strong opinions on TDFs but I'll probably keep them. I like the set and forget ease of them and the expense ratios aren't bad I think, even if they hold bonds. My question is what should I invest my money in now? The 401K and IRA holdings look very diversified to me. Should I invest the rest in something like FXAIX + FTIHX in my taxable brokerage even if it means double dipping my holdings? Start buying individual stocks? As I understand there's no set path at this point, but curious what you all would recommend. This money I invest I don't need to touch for a long time and can be risky with it as well.
SWYNX and FDKLX are target funds with stocks and bonds. The funds will automatically increase bond allocation (because bonds are considered safer)and decrease stocks as you approach retirement age. Now they only have about 5 to 10% bonds, but by 2060 that percentage will have increased to over 50%. SWPPX is all stocks, so you would need to add bonds yourself as you approach retirement age. All 3 options are a lot better than GAIOX in my opinion because those fees are way too high.
Hi all, I'm currently with Northwestern Mutual, invested in a GAIOX fund with a 5.75% front load fee and 0.67 expense ratio, plus $50 yearly fee to NWM. Looking to switch because I did the math, and holy fees! But not 100% confident what to do. On the Fidelity website I see a 2060 index, FDKLX with a 0.12 expense ratio, no transaction fees. I see a Schwab Target 2060 index, SWYNX, no transaction fees, 0.08 ER. I see a Schwab S&P 500 Index Fund. SWPPX. 0.02 ER. So, this one has a low ER and looks like great returns, but I assume this is a riskier one and I'd want to become more conservative as I got older? And is it hard to change when you get older? I assume it's basically when trying to become more conservative, try to sell some when it's high and buy into something more conservative? Open to other funds too, obviously. I'm a little overwhelmed with options! I wanted to go with Fidelity because I hear the app is better, but obviously I'm not going to spend thousands of dollars in fees over time for an app if Schwab is better, and I'm seeing lower fees for Schwab so far. Just looking to see if anyone has input! 30 year old female, 37 yo husband, make about $135K together, no kids, fairly risk tolerant.
I stick with FDKLX which is 54% US, 36% international, and 10% bonds
>Fidelity's is 10x more expensive than FXAIX (SP500) fund Stop looking at ER differences as multiples. Absolute basis point differences is a far better way to look at it. Example: * ER of 0.02% vs 0.06% is a 3x multiplier, but an essentially meaningless 4 basis points * ER of 0.20% vs 0.60% is the same 3x multiplier but a far more significant 40 basis point difference That 10.5 basis point ER difference between FXAIX and FDKLX for example gets you better diversification (into international and bonds) as well as handles the stock to bond ratio for you, removing a potential behavioral mistake source.
>SPAXX Spaxx is just a money market fund that fidelity will put un-invested cash into. If you want to buy FDKLX just buy it
This may be a dumb question, but I’ve been putting money into my Fidelity Roth IRA. Am I supposed to be trading those IRA funds into FDKLX or am I supposed to leave the money in the IRA account and invest in FDKLX separately?
If you're buying the whole stock market it just isn't necessary to buy another fund for a certain sector, or stock pick any individual stocks, because you already own just about every stock there is. I'm your age and in my Roth IRA I only own FDKLX, a target date index fund. I'm deciding whether or not to change it, but if I did, I would only do *one* of these: FSKAX+FTIHX, or VSKAX+VTIAX, or VTI+VXUS. Keep it simple!
Options as in stock options? Or as in different ETFs to choose from. I’m also now finding a lot more on target date funds, and FDKLX from fidelity I like a bit, but I think a little too passive for me currently.
>This is my first time rolling over into self managed IRA at fidelity with large amount so want to invest back carefully with good timing returns but i am aware hard to time market. If you are not planning to retire soon and have a long term investment horizon, it shouldn't matter. [https://awealthofcommonsense.com/2020/12/investing-in-stocks-at-all-time-highs/](https://awealthofcommonsense.com/2020/12/investing-in-stocks-at-all-time-highs/) [https://youtu.be/pFgPNVytlwA](https://youtu.be/pFgPNVytlwA) If you are unsure how to invest according to an asset allocation strategy, you may want to consider an index target date fund: https://www.fidelity.com/bin-public/060\_www\_fidelity\_com/documents/SHDOCS/FDKLX/hosts/sh\_comm\_pmqa.002216.RETAIL\_pdf.pdf
If I wanted a 'set it and forget it option', I would just use a single index target date fund. Fidelity examples: [https://www.fidelity.com/bin-public/060\_www\_fidelity\_com/documents/SHDOCS/FDKLX/hosts/sh\_comm\_pmqa.002216.RETAIL\_pdf.pdf](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/SHDOCS/FDKLX/hosts/sh_comm_pmqa.002216.RETAIL_pdf.pdf) Vanguard TDF's: [https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds](https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds) Which brokerage are you using?
>My wife and I get a pension from the military but from my understanding I can't put this in an IRA. Money is fungible, once it hits your checking account it's all the same. The money from your pensions that gets deposited into your checking account does not have a special label on it that says 'pension money'. When it comes to a Roth IRA, you do need to have earned income (from a job for example). Are any of you currently working? The earned income for the year needs to be at least the same amount you deposit into a Roth IRA. Also pay attention to the income limits, which depend upon your tax filing status. [https://www.investopedia.com/articles/personal-finance/081615/basics-roth-ira-contribution-rules.asp](https://www.investopedia.com/articles/personal-finance/081615/basics-roth-ira-contribution-rules.asp) If only one of you is working, you may still be able to open two Roth IRA's (one for each) according to the Spousal IRA provision. [https://www.nerdwallet.com/article/investing/spousal-ira-what-it-is-and-why-you-should-open-one](https://www.nerdwallet.com/article/investing/spousal-ira-what-it-is-and-why-you-should-open-one) p.s. The Spousal IRA is not a special type of IRA, it's just the provision that allows non-working spouses to open their own IRA. >Something simple and low to medium risk. In that case investing might not be right for you, something like an online high yield savings account may be better. I would first consider comparing your personal finances to the prime direct money management tips: [https://www.reddit.com/r/personalfinance/wiki/commontopics/](https://www.reddit.com/r/personalfinance/wiki/commontopics/) If you have steps 1 - 5 covered in the prime directive, then I would consider a Roth IRA with Fidelity and just investing in an appropriate target date fund. [https://www.fidelity.com/bin-public/060\_www\_fidelity\_com/documents/SHDOCS/FDKLX/hosts/sh\_comm\_pmqa.002216.RETAIL\_pdf.pdf](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/SHDOCS/FDKLX/hosts/sh_comm_pmqa.002216.RETAIL_pdf.pdf) If unsure how to select what year for a target date fund, Vanguard has a helpful guide: [https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds](https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds) IRA wiki: [https://www.reddit.com/r/personalfinance/wiki/iras/](https://www.reddit.com/r/personalfinance/wiki/iras/) Investing wiki: https://www.reddit.com/r/personalfinance/wiki/investing/
I recently started getting serious about investing and retirement. I have a portfolio set up in Fidelity that I hope to just set it and forget it but I’m unsure if the configuration makes sense. This is what I currently have: 401K: 100% in Fidelity Freedom Index 2060 Fund (FDKLX), this is weighted as 54% US 36% Foreign and 10% Bonds. Roth IRA: 100% in Fidelity Total Market Index Fund (FSKAX) Investments: 85% in Vanguard 500 Index Fund (VOO) and 15% in Fidelity Select Semiconductors Portfolio (FSELX) Some additional information: I am 32 years old, Roth IRA has been maxed out for 2022 and 2023, I’m contributing 15% to 401k every paycheck on $95,000 salary. Is there anything that you would change in terms of the portfolio? I’m open to any suggestions or criticisms that you may have.
I don't know why people downvoted this. This is true if anyone backtested any TDF. TDFs under perform the S&P 500 and a Total USA funds. Example from Jan 2015 to December 2022 and DCA $500 monthly: - FXAIX (S&P 500) 9.93% average return. - FNCMX (Nasdaq Composite) 9.37% - FSKAX (Total USA) 9.16% - FDKLX (2060 index TDF) 5.89% The S&P 500 was nearly double the TDF in terms of performance. Also, the index TDF expense ratio is 0.12%. Not a lot, but compared to 0.015% for the S&P 500 and Total USA fund is far overpriced for it's underperformance.
You can find target date index funds (such as FDKLX, SWYNX, or any of Vanguard's) that are properly index based with far lower expense ratios comparable to some ETFs (SWYNX and Vanguard's for example are actually lower than SPY). >I'm comparing that to investing in broad market stock/bond index ETFs (SPY and BND) myself >I'm wondering what's the pros and cons of each The target date funds are fully diversified, you'd only be partially diversified: you'd be lacking the US extended market (which should have higher expected long term returns than S&P 500 only) and lacking any ex-US, which has a long history of taking turns outperforming the US. Then there's minor things, such as SPY being unable to internally reinvest dividends it receives between fund distributions. >Are there better mutual fund choices than the target dates ones? You can mirror most target date index funds by using the funds listed in this: https://www.bogleheads.org/wiki/Three-fund_portfolio (many seem to use 30-40% of stock as ex-US). >What's the consensus for which one on average will give better return after taking into account the fees? Depends on exact funds you use and compare against, if you mirror the TDF or not, and if you commit any behavioral mistakes.
23, not lookin to retire till I’m like 59. What’s a solid, not too expensive fund to invest in with this timeline in mind? I’ve been invested in FDKLX ever since I started my ROTH IRA like mid 2020 and my total gain/loss is negative so clearly this isn’t working and I’m lookin for a change
If you are using Fidelity - the Zero funds are a good option - [https://www.fidelity.com/mutual-funds/investing-ideas/index-funds](https://www.fidelity.com/mutual-funds/investing-ideas/index-funds) Fidelity also has target date funds which they call their Freedom Funds - [https://www.fidelity.com/bin-public/060\_www\_fidelity\_com/documents/SHDOCS/FDKLX/hosts/sh\_comm\_pmqa.002216.RETAIL\_pdf.pdf](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/SHDOCS/FDKLX/hosts/sh_comm_pmqa.002216.RETAIL_pdf.pdf)
I'm planning on switching my Roth IRA from FDKLX to VT on Fidelity. Is there any downsides to this that I should consider?
I’m 28 years old and I have a Roth IRA currently through fidelity. All of my funds are in FDKLX but I am thinking about selling and putting those funds into VT instead. The expense ratio is lower but VT is an ETF and FDKLX is a mutual fund. I’ll still be using fidelity so there shouldn’t be a penalty for selling unless I decide to cash out. Is there a downside to this strategy? Is there a downside to having an ETF as your main stock in a Roth IRA? Outside of my Roth IRA I’m building my Robinhood portfolio. Should I still buy into a large cap ETF like VOO even if I have VT as my Roth IRA?
Have you considered a single index target date fund at Fidelity, it will save you on fees and basically follow the bogleheads three fund portfolio. [https://www.bogleheads.org/wiki/Three-fund\_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) Examples of Fidelity Index target date funds: Fidelity Freedom® Index 2040 Investor (FBIFX) Fidelity Freedom® Index 2045 Investor (FIOFX) Fidelity Freedom® Index 2050 Investor (FIPFX) Fidelity Freedom® Index 2055 Investor (FDEWX) Fidelity Freedom® Index 2060 Investor (FDKLX) Fidelity Freedom® Index 2065 Investor (FFIJX) Vanguard's website is helpful if you are unsure of which target date year to select (the Fidelity index versions) are similar to the Vanguard one's. https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds
Rip. I was invested in FDKLX in my IRA and was close to 16% rate of return. Might switch it
There are plenty of target date funds that are just a collection of index funds: FDKLX or VTTSX for example.
Thank you. This makes a lot of sense and I wasn't aware that I was "weighting" and not technically diversifying. I think I'll trim down my portfolio even more and just include VTI & VT as my "main" ETFs which will take up 50% of my portfolio (25% each). The other 25% will be crypto while the remainder will be individual stocks like Rivian and Amazon. Basically the other 50% of my portfolio will include "riskier" options. I should also mention that I max out my roth IRA each year. I'm currently putting in $6k into FDKLX I
Okay, I sold VTI, VOO, and FZROX. Still deciding on FNILX vs FXAIX vs FSKAX. Keeping FZILX because I like having some international exposure. FDKLX is nice because it'll automatically change stuff for me as I get older, but not really sure how much that matters at 19 with almost 40 years left for the investments to grow... Might sell that one and do the whole partial bond allocation thing myself when I'm a lot older.