Hey all. 31, married with kids.
Debt 500k at 7% for mortgage.
Looking for some investing advice and or optimizations for our current situation.
401k: 250k in Fidelity in a Vanguard target 2060. I started doing the mega backdoor contributions 2 years ago and plan to continue.
HSA: 17k in Fidelity in FXAIX. We pay out of pocket for all medical bills and plan to just keep this growing via max yearly contributions.
ROTH IRA: 47k in Vanguard in VASGX.
Brokerage: 300k in Fidelity FZFXX (this is “new cash” as of a few months ago from a bonus).
1. What should I do with the cash? VTI and chill? FXAIX, something else?
2. For my 401k, HSA, and ROTH IRA, any recommendations on changing investments out with something else?
Wasn’t sure if I should be over on Bogleheads or here but figured I would start here. Thanks!