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REDDIT

Roth IRA. Seeking opinions

M
Apr 17, 2026 · 00:15

I've been maxing out contributions to my Roth IRA with Horace Mann for a handful of years and am finally transferring it to Fidelity (I've been meaning to for years... I have a taxable brokerage account with Fidelity that is equal value to my Roth). I am currently 38 (teacher) and my Roth IRA is worth $60k.

Right now it is a Vanguard 2050 target date fund (mostly) and a Vanguard500 Index fund.

I want to optimize it and am not planning to retire until like 62-65. I want to change future deposits to Fidelity funds - what are Fidelity's version of VTI, VOO, or a target date 2050 fund?

Thanks