40yrs Old, recently unemployed, rolled 401k to rollover IRA now what?
As the title says: turned 40 years old this year and about six months before that lost my job of the past 11 years! I started late in my retirement funding journey but I'm doing what I can with the time I have left in my working years.
I had to rollover my 401k to an IRA account due to the termination timing with the 401k (and also the money was locked into a TDF fund that was set to be 20 years too early for my retirement that I couldn't change for some reason).
I have my retirement accounts tied to Fidelity at the moment with both a ROTH IRA and the newly funded Rollover IRA. I'm currently holding an 80/20 split in the ROTH with FZROX and FZILX, taking advantage of the $0 cost in the non-taxable account should I need to sell to move it around in the future.
My question with the rollover is what funds/ETFs would you suggest for this account? VTI and chill or some other blend?
Thank you for any advice and really love this community!