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Cruian t1_je9tk05 wrote

>and I would be investing (in the IRA Roth at least) into FZROX, FSKAX

Pick 1 of these 2, they fill the same role, so there's no real benefit to holding both. Then pick an ex-US fund (FZILX or FTIHX would be my top 2 at Fidelity).

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