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roth ira all in one fund, or not? [duplicate]
user
in your case, you could very well leave it in something like ffffx, which for readers is a self balancing fund with a target retirement date of 2040.  these funds are a conglomeration of other funds that tend to move more conservatively as time passes. however, i like to put no more than 10% of my portfolio in one fund with exceptions made for balances less than 20k.   so if i had 18k it really wouldn't matter if it was in fusex a s&p 500 index fund.  however by investing in ffffx you pretty much meet that requirement.    so you are golden if that fund meets your goals.  for me, i kind of hate bonds and despite being of similar age, i have almost no money invested in bonds.
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