Key insights
- This post describes a young investor's asset allocation strategy using a combination of Vanguard and Fidelity zero-fee index funds in taxable and Roth IRA accounts. The investor seeks advice on maximizing long-term gains. There is no direct market impact.
i’m 20F been investing since December 2025 trying to figure out all this investing stuff out… experimenting and coming up with a plan in december and stabilizing my plan through january 2026 and onwards.
i have 85/15 VTI & VXUS in brokerage because it give me a broad market, its simple into 2 groups, and it give me more control of how much i want to buy vs VT. also i heard VTI & VXUS are more tax efficient.
i have 85/15 FZROX & FZILX in roth ira bc it’s low-cost, diverse, and simple.
please just tell me how i can improve to really maximize gains in my portfolio. i need something reliable long term. IF YOU WERE 20 YEARS OLD what would you do ?