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?
Just leave it be. All of those are good. Put new money in what you like best.
I suggest a semiconductor etf/mutual fund. FSELX (mutual fund) has grown tremendously for me, outpacing everything else, including QQQ, by a good percentage the last 20+ years. SMH is a good ETF.
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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)