My risk tolerance has changed in recent months. I have been selling US equities and am now holding ~60% cash in my Roth IRA at Fidelity (yes I know it's a retirement account and should be long-term, but I may use Roth funds for a down payment in the future so I'm rethinking strategy). It's currently parked in SPAXX money market yeilding about 4%. I also have a good chunk in a business checking account.
I'm less confident in the US dollar and would like to diversify somewhat. I have dollar-denominated global index funds, which I understand provides some diversification? Other than that, what's an efficient way to diversify currency holdings/exposure, both inside Fidelity and in general? I also have a Wise account which can hold multiple currencies directly, but not sure about the tax implications of that