I'll try to make this quick. I'm more of a crypto guy trying to learn about stocks. My goal is to retire in 20 years, 2055 at 60 years old. I already have a 401k through my employer. Recently I created a Roth IRA with Fidelity and have been DCA into VT and my plan is to do so for the next 20 years. I chose VT over VTI/VOO because I am less optimistic about tech and American companies and think international will do just as well if not better over the long-term.
After I bought VT I learned about VFFVX target date funds. But I saw that the fees and minimum investment is quite high to get going. I guess I'm looking to you guys for validation that I haven't made a boneheaded decision going %100 VT with my Roth IRA.
Should I look into Bonds at some point to diversify? Any comments, criticisms, concerns welcome.