28 year old married E6. Been with First Command for a few years and despite all the negative things I read about them…they have helped me a lot. And my investments through them have been profitable…but the more I learn about investing, the more I’ve come to realize my money could be working a lot more for me somewhere else in much lower expense ratio funds.

    Quick financial breakdown of investments:
    TSP (ROTH): – 24k
    $1,000 monthly contribution
    60% C / 40% S

    IRA (ROTH through FC): – 16k
    $583 monthly contribution
    60% – MFEGX
    30% – MNDAX
    10% – MDIDX

    Taxable brokerage: – 270K
    $550 monthly contribution (and miscellaneous large sum deposits here and there)
    60% – MFEGX
    30% – MNDAX
    10% – MDIDX

    I am planning a move for the ROTH IRA and the brokerage to fidelity. I’m trying to find the funds that best match what I’ve set up at FC because they have been working…I just want them to work better and without the high expense ratios. My plan with FC was a “C:60% / S:30% / I:10%” equivalent funds through them, which when explained to me made sense. I’ve gone through fidelity’s website and it’s extremely easy to get overwhelmed by the funds as they all look the same!

    Any help would be appreciated!

    Investment Plan after leaving First Command
    byu/rogue_state_17 inMilitaryFinance



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