Can someone help me choose a 2 fund breakdown for my 401k at Fidelity? I see different funds recommended and some people mentioning to use Vanguard funds at Fidelity instead. I’m thinking 90% in a SPY equivalent and 10% in international? I’m 23 so I don’t really want bonds right now.

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Are you looking at ETFs or mutual funds? If ETFs, they’re commission free so you can choose whoever you want. Vanguard, state street, etc. if index funds, you should stay with Fidelity funds because you will pay fees to invest in Vanguards on their platform


In terms of allocation, seems good to me. You should be aggressive at your age.

Taxable accounts should be ETFs, retirement accounts should be mutual funds. ETFs are more tax efficient, but that obviously doesn’t matter in retirement accounts so mutual funds are more convenient

You might want 5-10% each in IWM and IWR to get some smaller company exposure.

I recommend $VDC Vanguard Consumer Staples ETF

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