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REDDIT

Looking for some feedback on my planned portfolio as I start investing into my Roth at 35 years old

S
Apr 22, 2026 · 22:26

I have been going over a lot of posts on this sub as well as others and this is the distribution I have come up with so far:

55% FZROX | 15% FNCMX | 10% FSELX | 20% FZILX

The first problem with this distribution is definitely going to be the overlap between the three US funds but I am trying to keep it that way intentionally to get the relatively higher stability of FZROX from being a total market fund while allowing for a slightly more aggressive portfolio with positions in FNCMX and FSELX. FSELX particularly being so volatile makes me hesitant to go more than 10% in it which is why I added 15% FNCMX which would cover more than FSELX in the Tech market while also not being so volatile, at the same time offering slightly better performance than FZROX with reduced diversity.

Finally, the 20% in FZILX would be just general international market coverage. Of course, I also plan to reduce my risks in the future by increasing share of FZROX, eventually removing FSELX and adding bonds (either FTBFX or FXNAX).

Total Returns link for reference - https://totalrealreturns.com/s/FZROX,FNILX,FNCMX,FZILX,FSELX

Would appreciate any thoughts and/or feedback on this setup. Thanks!