Looking to build a well-diversified portfolio, which index funds would you recommend and %. My retirement accounts are under fidelity.
Age = 39
TC = 200K+
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Your asset allocation depends on your goals and your timeframe for needing the money. Assuming you won’t need any of the money for decades, then you should have a heavy allocation to equities. FTSVX and FTIPX give you exposure to “total” domestic and international markets. I’d probably do 70% FTSVX and 30% FTIPX, for the equity portion of your portfolio. And then find a bond fund like FSITX and probably keep 20% bonds there. So that would be 20% FSITX, 56% FSTVX, 24% FTIPX.
FZROX and FZILX are zero expense ratio funds and so those may also be good options. But they will have fewer equities that they invest in, and the funds I listed already have very low costs with greater exposure. But in practice the returns may not differ much, who knows.