hey all, long term finance subreddit lurker here and a few years into learning about PF and FI. I decided it was time to get some feedback on what I’m doing. To summarize, I currently have a managed investment account with Ally Invest which is almost all held in ETFs. I have been reading up on finance and investing more lately, and thinking it could be time to both move to a more respected brokerage like Fidelity and to also open a Roth IRA. I’d be so grateful for your opinions.
Specifics
* Age: 27
* Ally Investment holdings: 12K
These are my main concerns: up until now, I’ve honestly avoided retirement savings because of emotionally wanting the option of cashing my investments sooner. But lately, I’ve been thinking I really should be opening a Roth IRA after reading IWTYTBR and other popular books. What would you all suggest doing? Open a Roth and focus my automated investment savings there, and let my other market investments be until I hit the yearly limit? Or save in both equally, or something else?
That leads to my other question about brokerages. I’m not sure the Ally Invest managed account and the ETFs are really the best option for me, now I’ve learned a bit more. It seems better to not pay extra management fees at all and just be a big kid and choose a few of my own index funds to invest in instead, rather than relying on an active management or robo-invest system. Between Vanguard, Fidelity, and others, Fidelity seems like the one I like the most right now (good app, very high reviews everywhere, etc).
What would you all do? I’m leaning towards transferring the ETFs in my managed Ally account to Fidelity, trading them there for reliable seeming index funds, and opening my Roth IRA there as well and then deciding how to allocate my monthly savings. But there may be a better or more sensible approach.
Thanks so much for reading! All feedback and suggestions would be hugely helpful and appreciated.
Fidelity is a great choice. Take a read through the article “investing” in the wiki in the sidebar. And check out the prime directive for the order you should be funding accounts .
Fidelity is a good company. Feel free to use them.
My generic advice:
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Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.
Stop by the sidebar to see the Common Topics, which include basic money handling and investing.
You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.
I would stay away from ETFs and buy index mutual funds.
ETFs may not be liquid, they do not sell/buy for the NAV (net asset value). ETFs can be sold every minute of the day, risky. You may not what the actual value is but what the market is willing to pay, you may pay more than the value.
Index mutual funds is the way to go. Stable, always have the NAV. Investments are long term. Buy and hold, no need to add the ETF risks.
You may find these links helpful:
– [Retirement Accounts](/r/personalfinance/wiki/index#wiki_retirement)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
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