Suggestions regarding funds for Roth IRA's?
My husband and I are 52 and 53. The money in our 403B's and traditional rollover IRA's is invested in target date funds-this is the bulk of our retirement. We also have relatively small individual Roth IRA's-I've been investing the money in those accounts in index funds and ETF's.
I'm wondering if anyone has suggestions regarding which specific funds to pick for the Roth's? Most of our Roth money is in VFIAX with a smaller amount in VTIAX and Vanguard ETF's (VO, VTI, VB and BND.). I'm thinking that this may be too many funds and that we'd be better off simplifying things? FWIW at this point we have a total of a little over 1 million spread across all of the accounts. Unfortunately we didn't start saving for retirement until our mid 30's-neither of us come from families where investing was encouraged or discussed and we made some bad financial decisions in our 20's. Any thoughts, suggestions or feedback is welcome!