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Rolling old 401k into IRA investment strategy

S
Jan 13, 2026 · 19:43

Hi, I recently got a new job and will be transferring my old 401k into an IRA in Fidelity to reduce management fees.

Based on some quick research, here is roughly what I’m thinking but would love to hear feedback / advice. Mainly looking at fidelity ETFs that seem to have no or little management fees:

50% FZROX (basically VOO but no fees?)
20% FZILX (international emerging markets with no fees)
20% FTEC (fidelity tech etf)
10% FESM (fidelity small cap)

What are your thoughts on this? And since I will start with all cash, do I dump it in all at once or should I space out my buys over something like a 6 month period? It’s roughly 70k USD. Thank you in advance