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REDDIT

ROTH IRA - Target Funds or Custom Portfolio?

M
Oct 6, 2025 · 20:39

Looking for opinions here. I got money in a ROTH IRA. To keep it simple, I just invested in a target date fund, **FIDELITY FREEDOM INDEX 2045 INVESTOR** (FIOFX). I read that supposably these do well. As it's been about six months now, it just doesn't seem to me to do as well as some of my ETFs, etc. in my regular taxable account. Should I just stay the path and do these target funds start to pick up well much later? Or, are these funds overrated and I should just like do some type of aggressive growth ETF in it?

I'm trying to be like you guys. Help me, be you.