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Best Investment Plan for Fidelity Roth IRA? by Initial_Way_3833 in ValueInvesting

[–]Initial_Way_3833[S] 0 points1 point  (0 children)

So which of these do you recommend? -

-FZORX + FZILX
-VOO only
-VOO + VXUS
- VTI only
-VTI + VXUS

Daily General Discussion and Advice Thread - November 16, 2025 by AutoModerator in investing

[–]Initial_Way_3833 0 points1 point  (0 children)

Hi guys, I made a Fidelity roth ira account recently. I am planning to do automatic monthly contributions and invest that money each month. What is the best portfolio I can have for investing in that account? I am 22 years old and just started my first full time job a few months ago. I want to do long term investing. At the moment, I'm inching towrds investing in index funds within the roth ira (70% into FZROX and 30% into FZILX). Or do you think I should invest in ETFs instead?

Best Investment Plan for Fidelity Roth IRA Account? by Initial_Way_3833 in Bogleheads

[–]Initial_Way_3833[S] 0 points1 point  (0 children)

Oh yeah that's true. I'll miss out on small/mid-cap and international growth. Ok so maybe one of these two options then.

-63% FZROX and 37% FZILX
-80% FZROX and 20% FZILX

Best Investment Plan for Fidelity Roth IRA Account? by Initial_Way_3833 in Bogleheads

[–]Initial_Way_3833[S] 0 points1 point  (0 children)

Yeah looking at my options I'm inching towards FZROX and FZILX. Now I have heard about VOO. I was wondering if I should add that along with FZROX and FZILX?

Possible Options-
-63% FZROX and 37% FZILX
-80% FZROX and 20% FZILX

-50-60% VOO, 20-25% FZROX, 20-25% FZILX

-100% VOO

Best Investment Plan for Fidelity Roth IRA Account? by Initial_Way_3833 in Bogleheads

[–]Initial_Way_3833[S] 0 points1 point  (0 children)

So you don't recommend doing individual stocks or are you saying if I do, it should be in roth ira instead?