- Joined
- Nov 27, 2014
- Messages
- 9,251
I've been with my FA since retirement (5 years) but I decided to go it on my own and move everything to Fidelity. I'm planning on going with a simple portfolio, but of course nothing is totally simple. I have two questions that I'm hoping you can help with.
First, which funds and how many. I'm thinking total stock market for my equity position and I'm on the fence about including any International exposure. For bonds, the question is whether or not to pick a duration or just go with BND.
Second, what should the makeup be at the account level. I'm thinking I should make my ROTH 100% equity and then fill in the IRA's to complete the desired AA. My Joint/After tax account has some individual stocks with $20K in gains so I'll have to manage that, but I think that account should be mostly cash/CD's (short term/liquid) to cover 2-3 years expenses.
Thoughts?
First, which funds and how many. I'm thinking total stock market for my equity position and I'm on the fence about including any International exposure. For bonds, the question is whether or not to pick a duration or just go with BND.
Second, what should the makeup be at the account level. I'm thinking I should make my ROTH 100% equity and then fill in the IRA's to complete the desired AA. My Joint/After tax account has some individual stocks with $20K in gains so I'll have to manage that, but I think that account should be mostly cash/CD's (short term/liquid) to cover 2-3 years expenses.
Thoughts?