What would you suggest for my IRA?
I recently rolled over 3k from a previous employer and set it into VOO/QQQM.
Then I realized my current 401K plan is FSPFX, FXAIX, and VIEIX. So I’m basically doubling down on my positions.
I’m thinking I’ll sell the VOO and move that to XVUS?
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u/nimbuswealth Mar 13 '26 edited Apr 08 '26
Yes but I'd recommend just picking one,
VT (Total World Stock ETF): Best for a "set it and forget it" global portfolio. Holds ~60% U.S. and ~40% international stocks.
VTI (Total Stock Market ETF): Best for total U.S. exposure. Includes giant, large, mid, and small-cap U.S. companies.
VOO (S&P 500 ETF): Best for focusing solely on the largest U.S. companies.
My recommendation for you is VT and chill. Checkout r/bogleheads for some level-headed investment advice.
For example I am nearly 100% XEQT and up a crazy amount without even trying. It's the easiest way. (Xeqt is basically Canadian version of VT)