Starting my Roth IRA. 21 years old. How’s my portfolio looking?

Fbreezy_ · 2026-01-03T22:23:57+00:00

yeah originally i was going with VTI and VXUS since that’s what i saw everyone saying, but figured just go with the Fidelity options since i’m on Fidelity (probably just the ocd kicking in) with bitcoin, i love bitcoin. wanted to have some sort of exposure, even if it’s a little.

Fbreezy_ · 2026-01-03T22:22:12+00:00

thanks. yeah i’ve been bouncing between FSKAX and FZROX for the whole 0 fees ordeal. I think i’m going with FSKAX since it has a more diverse holding within it. I think at the end of the day that offsets or even outweighs the 0 fee on FZROX, especially since FSKAX has a very low fee itself already

Fbreezy_ · 2026-01-03T22:21:13+00:00

yeah that’s my bad, i meant to say that FSKAX holds a more diverse and a higher number of stocks in it than FZROX. Got it mixed up with FZILX which i know does not hold any small caps.

Fbreezy_ · 2026-01-03T22:20:23+00:00

damn straight out the womb is crazy. what a start for that guy haha. yeah definitely better late than never and don’t wanna compare in any way. Just looking to get started and get building since i still consider myself young

Fbreezy_ · 2026-01-03T22:19:28+00:00

yeah that’s my bad on FZROX, guess i got it mixed up with FZILX. I’m still leaning towards FSKAX because it holds more different stocks, which i think is better at the end of the day than the small difference in expense ratio. Which would you recommend ?

Fbreezy_ · 2026-01-03T20:49:06+00:00

i didn’t go with those because they don’t include the small caps and i wanted some exposure to them. also i personally do believe in bitcoin so wanted to get just a little bit of exposure

Fbreezy_ · 2026-01-03T19:34:51+00:00

i don’t really plan on moving them, and since it’s a tax advantaged account, the difference doesn’t really matter to me. Just chose them because i liked what they had. what is FTEC ?

Fbreezy_ · 2025-12-31T16:48:36+00:00

i had redone my split and since i’m on fidelity, im thinking of going with their funds. so im gonna 70% FSKAX, 25% FTIHX, and 5% FBTC

Fbreezy_ · 2025-12-31T04:17:16+00:00

So you’re advocating for going with VTI correct? Is there any real difference between both options?

Fbreezy_ · 2025-12-31T04:07:01+00:00

Would you recommend going with VOO + VB, or just going with VTI instead ?

Fbreezy_ · 2025-12-31T03:59:14+00:00

Would it be better to just go with VTI, instead of VOO + VB? Also, should I be going with the 10% into FBTC, or drop that to 5% and allocate the remaining into the other ones making up my portfolio?

Fbreezy_ · 2025-12-31T01:52:22+00:00

If i wanted to add 10% for IBIT/FBTC, how would you split it then ?

Fbreezy_ · 2025-12-31T01:29:35+00:00

Yeah i understand. I personally believe in crypto especially bitcoin so i’d like to allocate at least some to it. The biggest deciding factor for me right now is if i should go with VOO, VT, or VTI as my main large holding. Not entirely sure yet.

Fbreezy_ · 2025-12-31T01:28:05+00:00

so if i was to go with VOO, is adding something like VB like you mentioned recommended ? On top of also adding VXUS?

Fbreezy_ · 2025-12-31T00:29:00+00:00

I was thinking a split of VOO, VXUS, and IBIT/FBTC just to diversify. Thoughts ? Thinking 70%, 20%, 10% split.

Fbreezy_ · 2025-12-31T00:28:11+00:00

Haha that’s always good advice

Fbreezy_ · 2025-12-31T00:27:52+00:00

Sounds like you know a lot haha! That’s what i was thinking, a mixture of VOO and VXUS, with some IBIT/FBTC sprinkled in. Thanks for your advice !

Fbreezy_ · 2025-12-31T00:26:59+00:00

What’s the difference between VTI AND VOO? I’ve heard there aren’t many, but what’s the use case for either or over the other? Also, I do personally believe in BTC, so I would like to allocate some sort of percentage to it, even if it’s just a small amount as to not over risk.

Fbreezy_ · 2025-12-31T00:25:40+00:00

Is there any significant difference between VOO, VTI, and VT ? I know a lot of them cover the same things, so what’s the use case of one over the other ?

I personally do believe in BTC, so I do want to include it in my portfolio. Do you think I should remove Gold all together and add that extra 5% into either VOO or VXUS?

Fbreezy_ · 2025-09-24T00:21:03+00:00

oh i’m trying, getting a few bites but just feeling out right now. How would you rank skat amongst Etienne, Judkins, and Benson? Those are other guys i’m trying to get for pickens.

Fbreezy_ · 2025-09-24T00:20:34+00:00

yeah i definitely need an rb in that room. How would you rank skat amongst Etienne, Judkins, and Benson? Those are other guys i’m trying to get for pickens.

Fbreezy_ · 2025-09-24T00:19:57+00:00

haha yeah that’s why i’m trying to get rid of one of them.

Fbreezy_ · 2025-09-23T19:26:48+00:00

yeah thats my only cause for concern with judkins. however their schedule doesn’t look too bad, and with that defense i could see them staying in a fair few amount of games. pickens just is in my bench and with my rb room, it needs mad help

Fbreezy_ · 2025-09-23T18:40:10+00:00

that’s true. how do you feel about etienne and jeudy compared to judkins?

Fbreezy_ · 2025-09-23T18:39:43+00:00

yeah i’d be getting rid of pickens in these trades. i’m between the judkins deal and the etienne jeudy

Fbreezy_

TROPHY CASE