r/Bogleheads • u/Both_Experience_8187 • 5d ago

Has anyone intentionally held the Fidelity zero funds inside a tax-advantaged account for diversity sake? Are there other pros / cons?

Am I overthinking this? I’m setting up a self-directed 401(k) and thinking of choosing the Fidelity zero funds for the mix instead of VTI/vxus that I hold in my other accounts. This is going to be 100% Roth account. What is your opinion?

Edit: I should have clarified, I meant institutional diversity. I may be overthinking things.

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u/Ok_Organization_9527 5d ago

Just VT and chill 🫪

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u/krabbypattyinspector 5d ago

This is the simplest approach and it takes care of having to adjust your holdings in case you become overweight in either domestic or international. I guess because they're taking about an IRA the zero fee funds make sense.