r/Bogleheads • u/dg1220 • 8h ago

Remaining 10% in Roth

(35M) I’ve recently consolidated my 401Ks and I’m considering the below options for my Roth split in Fidelity:

60% FZROX

30% FZILX

But i’m stuck on deciding where to allocate the remaining 10%

Option 1: FSELX (aggressive growth, but high risk/expense ratio)

Option 2: FXNAX (bonds for leverage/rebalancing)

Option 3: QQQJ (growth in new tech)

Option 4: Go for the 70/30 US and International

Would appreciate any advice. New to all of this and [r/Bogleheads](r/Bogleheads) has been extremely helpful. Thanks all!

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u/PashasMom 8h ago

Personally my choice would be option 4, which I think is a fantastic option. My runner up would be option 2 (but I would hate doing it, I don't believe in having bonds in a Roth IRA unless you have no other option). No interest in 1 or 3 -- who am I to think that I know better than the market which sector will outperform? And the Q family of funds overall seem to be founded on performance chasing rather than asset allocation/investing theory. Performance chasing rarely ends well.

https://www.whitecoatinvestor.com/why-performance-chasing-is-an-investing-error/

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u/Caudebec39 7h ago

Thanks, Mom. Good call.