*Preface:* I am not looking for financial advice, I will continue to do my own research, I am mainly looking for new funds to explore and expand my perspectives on my strategy. I am relatively new to actively managing my own investments, even though I was able to build a solid base through my 401k and through a ROTH conversion from a prior plan this was mostly managed for me through my old advisor and/or the 2060 retirement date that i just had all of my money in. I enjoy bouncing ideas around and understanding how different people think about portfolio construction, so I am hoping that I can do that here.
I’ll also say upfront: Bogleheads, I respect the philosophy and the reminders that beating the market consistently is difficult, but I am hoping to avoid that debate here. Thank you in advance.
All of my money is now with Fidelity. I recently switched from American Funds and have been happy so far, especially with the broader fund selection and the elimination of load fees.
**Current balances:**
* Roth IRA: \~$90k
* 401k: \~$95k
* Taxable (TOD): \~$18k
**Current allocations:**
Roth IRA
* 50% FSELX
* 25% FCNTX
* 25% FDCPX
401(k)
* 100% FDKLX (Target Date 2060)
Taxable (TOD)
* 65% FSELX
* 25% FXAIX
* 10% AGTHX (legacy holding from American Funds)
I’m 32 and intentionally running a very aggressive strategy, but I’m starting to think more about diversification. I’m especially curious whether there are any non-tech or non-semiconductor funds that people feel have historically outperformed or provided strong long-term returns.
I know I want to replace FDCPX, since it’s also tech-heavy and overlaps with FSELX, I am just not sure with what yet.
I’ve also considered switching FCNTX to either FXAIX or FBGRX, but my hesitation is that FCNTX seems to have stronger lifetime performance than FXAIX and feels more complementary to FSELX than FBGRX, which appears more growth- and tech-concentrated.
**Restructure plan as of now:**
Roth IRA
* 50% FSELX
* 25% FCNTX
* 15% FSENX
* 10% FFFCX
401(k)
* 100% FDKLX (Target Date 2060)
Taxable (TOD)
* 40% FSELX
* 25% FCNTX
* 20% FSENX
* 10% AGTHX
* 5% FFFCX
I’m interested in hearing how others think about this - not necessarily what to do, but how to think about it, although I am open to some suggestions.