Hello all
I am looking to invest some money. I already have quite a big portion in Fidelity target date investor mutual fund 2040 (expense ration .12%, FBIFX). I am 48 years old, currently unemployed and trying to grow my money. I already have a tiny portion in SPYM which is S&P 500 (USA). I am thinking instead of adding more in Fidelity target date investor mutual fund 2040 which would have less returns overall (especially with more bonds over time), I was thinking to invest it in VTI or VT. I am comparing both. I know VTI is USA and had more returns in the past 10-15 years and VT is international and has been better in the last year. So maybe 70% VTI and 30% VT.... What are your thoughts on VT versus VTI and overall compared to SPYM (and target date funds). My S&P has not done great in the last 3 months when I started, but I heard it hasn't been the best time for it. My target date mutual fund grew faster than my S&P but I also read that is because it can help short term more than long term. (Just started investing 3 months ago for first time). THANK YOU for your advice :) I appreciate it!