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Message
Rollover IRA investment allocation
Posted on 10/21/25 at 8:36 am
Posted on 10/21/25 at 8:36 am
Just rolled my 401k from a former employer into my Fidelity rollover IRA account and looking for advice on investment allocation.
Total amount available is $130k and I have another $18k in the account already which is 100% in Fidelity Freedom 2055 Fund. I am looking for low fee, “set it and forget it” funds to put the money in. What yall got?
Total amount available is $130k and I have another $18k in the account already which is 100% in Fidelity Freedom 2055 Fund. I am looking for low fee, “set it and forget it” funds to put the money in. What yall got?
3
Posted on 10/21/25 at 9:28 am to jordan21210
If that target date fund met your needs why not put it there? Otherwise, not much point keeping just $18k of $148k in a target date fund. Your overall allocation wouldnt align w the strategy of the target fund defeating the purpose. Maybe find a lower expense ratio alternative is only other suggestion absent further context. You are paying .68% for active management versus .08% for Vanguard's passive managed 2055 fund VFFVX or Fidelity Freedom Index 2055 FDEWX 0.12%
Posted on 10/21/25 at 9:34 am to jordan21210
Jordan, pretty sure we are the same age, if not very close. If this is something you won’t touch for ~30 years, why not go with an S&P 500 fund? Something like FXAIX (Fidelity 500 Index) that has a super low expense ratio (0.02%)
Posted on 10/21/25 at 9:34 am to jordan21210
I did this over a year or more ago with a large chunk SCHG, it’s up 25% since then. Also bought AMZN and AVGO. I like to be aggressive though
Posted on 10/21/25 at 9:56 am to DaBeerz
quote:
If that target date fund met your needs why not put it there?
This is my current thinking, but I wanted to ask here to make sure there isn’t a more preferable option. Appreciate the insight!
quote:
Jordan, pretty sure we are the same age, if not very close. If this is something you won’t touch for ~30 years, why not go with an S&P 500 fund? Something like FXAIX (Fidelity 500 Index) that has a super low expense ratio (0.02%)
I’m 36, I think we’re close. I like that idea, this is absolutely something I will not be touching until retirement age.
quote:
did this over a year or more ago with a large chunk SCHG, it’s up 25% since then. Also bought AMZN and AVGO. I like to be aggressive though
Looking to keep this more conservative. I have another play account for individual stocks.
Edit: @ Walt, you’re in the finance/investment world now, correct?
This post was edited on 10/21/25 at 9:58 am
Posted on 10/21/25 at 10:02 am to jordan21210
Yessir, I sure am. And I’m 35, so right behind you too 
Posted on 10/21/25 at 10:22 am to Walter White Jr
Just messaged you over on Strava 
Posted on 10/21/25 at 11:02 am to jordan21210
I'd go 100% index funds if it were me. Fidelity 2055 has 15%/bonds/short term debt which seems conservative given long time horizon. I'd consider a US index and Intl for some diversification.
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