30k just freed up to invest from the sale of a rental property Where do I put it.
Is now a good time to invest it? or are we headed for a correction?
Also, Do I need to move what I have currently invested?
I have had a lackluster year in my investments only about 3% Return across the board. So I thought I'd get some help picking.
I'd like to continue to diversify, and put some in safer funds but can take risks with some of it.
I cant help but think MMM's success was partially due to the state of the economy in the 1990s and early 2000s Indexes and ETFs Have looked pretty bad the past few years...
I am 33, my wife is 31, so we do have the luxury of time.
We have a fidelity Investment account currently with about 30k in it:
10k FSTVX (Spartan large cap fund) 3.69% growth YTD fees .05%
10K FCNTX (fidelity low expense growth fund) 8.82% growth YTD (I know MMM despises mutual funds, but this has been one of my #1 growth assets 4 years in a row. Net fees are .64%
10k in Dividend Stocks. RDS-A and AA recently purchased
1k in a few penny stocks.
Roth IRAs are maxed out for 2015 (my wife's mirrors my own)
3k FBSOX (Technology Growth fund) 13.91% growth YTD recently purchased fees.81%
3k FSPHX (healthcare fund) (16.76% growth YTD) recently purchased fees are .74%
3k FMEIX Mid Cap Index Fund Mid cap Index Fund. (2.64% YTD) fees .61%
3k FSTMX Total Market Index Fund (3.67% YTD) fees .61%
401K
Split between the only two low cost funds on my employers plan,
54k in FXSIX (Spartan 500 index fund) (3.57% YTD Return) fees .07%
8k FSEVX (Mid Cap Index Fund (4.09% YTD Return) fees .04%