Craft_feisty

Craft_feisty t1_jabo4pb wrote

Reply to comment by ninjahackerman in Roth IRA and taxable account advice by ninjahackerman

>ve product which is why someone would use Fidelity for FXAIX vs Vanguard for VTSAX. Purchase them if you're using that broker but generally these mutual funds also have a ETF equivalent and in VTSAX case that would be VTI. If you really want VTSAX you can buy VTI with your Fidelity account.
>
>I don't see much difference between VTSAX and FXAIX and comparing their historical returns are within .5% of each other and their top 10 holdings are the exact same but with different weightings.

you can be aggressive until your late 30s or early 40s. Since you are just starting.

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Craft_feisty t1_jabnoce wrote

Reply to comment by CleverOrWhatever99 in My Roth IRA is 100% invested into VTSAX. Is it an issue to keep investing in VTSAX each year? by dennisj9

>What are the mechanics of moving to something like a target date fund, if I had been fully invested in equities for the previous ~30 or so years? Sell the equities and simply buy into a target date fund?

VTSAX is an index fund that holds the entire U.S. stock market. It's pretty diversified just by itself. Popular tips would be to hold VTSAX and then get a bond fund or global stocks index fund/ETF

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