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Why not lump sum it into VTI? All the extras of <1% aren’t doing anything for you. I consolidated down to just a couple funds bc it’s a heck of a lot cleaner and easier to manage.
Having a 1% position in something is a waste of time in my opinion. I would get rid of VOO and just use VTI. I would get rid of the VEA and VWO and buy VXUS. The above recommendations need to factor in if this will cause large gains, if not, I would not sell. I personally would get rid of all the small positions. In the retirement account I would just use the target date fund and keep switching to the furthest one out every 5 years or just use FZROX. Holding FZROX with a target fund defeats the purpose of the target date fund
What would be a tangible benefit of selling off current positions in overlapping funds? Why not just hold those while focusing on contributing further to a simpler mix?
Selling and incurring capital gain tax just for the sake of simplification doesn't sound like a beneficial move.
Thanks everyone! Agree that the <1% aren’t doing much for me. At the time of investment these were larger pieces but then I typically just abandoned investing any further in those in favor of putting money into VTI, VOO, etc. Is there any benefit to exiting those positions and simplifying? If not, I think I won’t sell anything right now and avoid incurring capital gains so those will just sit there.
EY1 - On the retirement funds. FZROX is in an IRA vs. target date funds are in a 401k, so that’s why that 3% is hanging out there apart from the target funds.
Otherwise, based on the feedbackI think I’ll just stick the money I have into VTI and will think about whether I want to stick like 15% or so in VXUS for the international exposure as well.
Thanks again to everyone for the support!
Read about the "lazy portfolios" and the rick ferri "core 4" concept. Figure out your total asset allocation first. Also I understand buying some individual stocks to speculate but 1% is nothing.