My situation: I am just beginning a Roth IRA. I have basically a 5 year window to be able to contribute directly to the Roth secondary to a substantial increase in salary that is pretty much guaranteed. I would like to make this an account that I can basically forget about (besides backdooring contributions if possible) until retirement (projected 34 years from now).

What funds should I invest in? My work matches through Fidelity, so my options are somewhat limited without increasing fees.

I currently am investing 100% into VWENX. It is a safe fund, but not sure if it is going to give me the growth that I am looking for. I am considering FFKHX or moving to something a little riskier with higher rate of return. What say you money board?

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Posted by rintintin

Life is Life

Member since Nov 2008

16141 posts

Posted on 7/29/14 at 9:23 am to GeauxTigers777

Many people here will say Vanguard target date funds, or any of the major index funds.

In my very humble opinion, with a long term horizon I'd look more into some small cap funds. Greater "risk" (volatility is probably the better term here) but greater possible return.

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Posted by jeepfreak

Back in the BR

Member since Oct 2003

19433 posts

Posted on 7/29/14 at 10:02 am to GeauxTigers777

Global Flex funds. 2 that I like are Black Rock Global Allocation(MDLOX) and First Eagle Global Fund(SGENX).

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Posted by jso0003

Member since Jun 2009

5170 posts

Posted on 7/29/14 at 10:55 am to GeauxTigers777

On a 34 year time horizon, I'd put 100% into something that mirrors the S&P.

Dollar cost average into it over time.

I dump 100% of my 401k into VINIX because it is by far the cheapest expense ratio option and basically mirrors SPY.

My Roth I dump into SPY right now.

I'm only 24 so at some point I'll start adjusting and de-risking but for now... no need to get fancy.

This post was edited on 7/29/14 at 10:56 am

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Posted by foshizzle