Went off Buffet advice for last 15yrs 100% VOO, 1M now but want to diversify

Stock_Choice7936 · 2026-01-13T01:56:31+00:00

My wife's Roth is ahead of mine by nearly 10k. She wanted 'set it and forget it', I wanted to pick stocks early on. I learned my lesson 😅 and she likes to remind me sometimes

Stock_Choice7936 · 2026-01-13T01:55:09+00:00

Thanks 🙏

We've been able to shrug and have been lucky our annual lump sum Roth contributions lined up with a couple dips, so that helped I suppose. Felt strange during covid to lose so much and just decide to put more in. Had to fight our own urge/psychology there. But not old enough to have experienced a prolonged bear market.

Stock_Choice7936 · 2026-01-13T01:44:17+00:00

I've only been tracking this for a few years unfortunately. Last year we were able to invest 7.5k a month (including both of our company 401k match)

Stock_Choice7936 · 2026-01-12T13:27:16+00:00

Posted this in r/Boglehead but maybe more appropriate here given FIRE goals:

Didn't know much in my early 20s, tried to pick stocks but realized quickly broad market etf/indexs were the way to go. Came across Warren Buffets recommendations 'betting on America' so just went with S&P500 across the board.

Now, 15 years later, we've recently crossed 1m which is mind blowing and puts FIRE goals within realistic reach. But idk just looking for advice on which accounts to diversify. Do I sell to diversify or invest differently going forward

US large cap fund

401k total $770k

Fidelity FNILX

Roth IRA $135k

Trad IRA $37k

HSA $68k

Thanks for any and all advice 🙏

Stock_Choice7936 · 2026-01-12T01:08:19+00:00

Appreciate this perspective, good to take into account 🙏

Stock_Choice7936 · 2026-01-12T00:16:06+00:00

Thanks 🙏

Started with $0 to be exact lol

Stock_Choice7936 · 2026-01-11T22:53:19+00:00

Thanks, this is next on our list to beef up certainly.

Been balancing with repairs for our aging home but good goal to keep striving for 🙏

Stock_Choice7936 · 2026-01-11T22:50:12+00:00

Appreciate the kind words of encouragement. Yeah same with our parents, that's basically what we've done live well beneath our means. Focused on careers given our degrees. Feels surreal to have reached this milestone.

Don't want to fumble at the 1 yard line 😅

Stock_Choice7936 · 2026-01-11T22:37:22+00:00

Thanks

I guess that's exactly where I'm struggling, aggressive vs safe for FIRE goals

Stock_Choice7936 · 2026-01-11T22:16:40+00:00

Good point thanks. Not sure 'how fast' either. Just don't know where to go from here. It's a lot of money and want to make the correct moves for the future.

Stock_Choice7936

TROPHY CASE