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REDDIT

Retirement Investment Strategy

C
Dec 23, 2025 · 17:22

Hey everyone I am looking for some opinions on the breakdown of my investments for retirement planning. Below is how I have everything structured at the moment and I would like to get opinions on my selections and if I have enough diversity in my strategy.

I am currently 42, so I have a decent 401k balance and look forward to retire at the age of 65 (even though i enjoy working and will most likely continue to do so).

401k - 20% (15% me & 5% employer match) Funds are split evenly amongst these two selections. •Fidelity 2050 Retirment Fund •Blackrock Equity Index

Roth Ira - 7k annual ($140wk) Funds are split evenly between these two selections. •FXAIX •FNCMX

Individual Investing ($100wk) Funds are split 4 ways evenly each wk ($25each) •INTF •VOO •QQQ •SCHD

Outside of this I also currently hold: 10,000 XRP 2,000 HBAR