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Need help on an index fund decision for custodial Roth IRA
Posted on 9/1/26 at 3:33 pm
Posted on 9/1/26 at 3:33 pm
I’m funding my children’s Roth IRA‘s and can’t decide on an index fund. I can mindlessly dump into once a year. Currently have them set up in VUG, but would VOO be a better option? Completely open to any other suggestions as well.
Posted on 9/1/26 at 3:50 pm to brightside878
both are great. i have VOO and VIGAX the MF version of VUG.
there is no wrong answer.
I'd drop some money in QQQ also. my auto dumps go into VOO and QQQ.
see some returns below and comparisons.
LINK
there is no wrong answer.
I'd drop some money in QQQ also. my auto dumps go into VOO and QQQ.
see some returns below and comparisons.
LINK
Posted on 9/1/26 at 3:51 pm to brightside878
QQQM for the long term. They are young, so be aggressive.
Posted on 9/1/26 at 3:52 pm to brightside878
Spread it out some.
VOO - 60%
VUG - 30%
VGT - 10% (i don't see tech slowing down for the foreseeable future)
Indexes that follow the S&P in the long run don't have much difference in their performance, so I wouldn't analysis paralysis yourself in that category.
VOO - 60%
VUG - 30%
VGT - 10% (i don't see tech slowing down for the foreseeable future)
Indexes that follow the S&P in the long run don't have much difference in their performance, so I wouldn't analysis paralysis yourself in that category.
Posted on 9/1/26 at 4:03 pm to brightside878
Vanguard Total Stock Market.
Posted on 9/1/26 at 4:24 pm to brightside878
VTI may be reasonable.
It’s great your kids are earning income.
My son opened his own Roth IRA after making money when he was 17.
VTI was his first purchase.
It’s great your kids are earning income.
My son opened his own Roth IRA after making money when he was 17.
VTI was his first purchase.
Posted on 9/1/26 at 4:59 pm to brightside878
Have my 8 year old mostly in QQQM. It's done well. Probably can't go wrong with the vanguard funds either
Posted on 9/1/26 at 5:10 pm to brightside878
Just one man’s opinion, but I believe VT is superior to VOO.
Posted on 9/1/26 at 6:36 pm to brightside878
I’ll bet whatever you choose turns out okay
You seem like a great parent
You seem like a great parent
Posted on 9/1/26 at 6:40 pm to brightside878
I did 80% VOO and 20% nvda for my grandkids 4 or 5 years ago.
Posted on 9/1/26 at 6:46 pm to brightside878
It’s a Roth…he can’t touch it for what 60 years? It’s parental malpractice not to go 100% VGT.
Posted on 9/2/26 at 2:05 am to lsuconnman
It is 100% better than what they would do for themselves. Any/All of those accounts will secure their future.
Posted on 9/2/26 at 8:25 am to brightside878
I like the fidelity funds. Are you looking for USA total market index or Global total market index funds?
Posted on 9/2/26 at 2:01 pm to Arthur Bach
Thank you I appreciate it
And appreciate all responses. With that much time in the market I guess it doesn’t really matter to some extent.
It’s easy to over analyze these
And appreciate all responses. With that much time in the market I guess it doesn’t really matter to some extent.
It’s easy to over analyze these
Posted on 9/2/26 at 2:02 pm to notsince98
No sarcasm- if I knew I wouldn’t have asked
Everything I’ve always read says an S&P index will be 90% of any of these so likely just domestic
Everything I’ve always read says an S&P index will be 90% of any of these so likely just domestic
Posted on 9/2/26 at 2:42 pm to brightside878
If you are looking to keep it simple, I personally would do 70% FZROX and 30% FZILX if you are a fidelity customer. These are ZERO cost mutual funds. FZROX is a total market USA index fund and FZILX is a total market international index fund. All you do is just keep buying these two as you go through time and you are fully diversified into the USA and global markets following market caps. Your only slant is what you decide between USA/International.
This post was edited on 9/2/26 at 3:39 pm
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