Overhauling Roth and Transferring to Fidelity
My wife and I are both in our late 20s. We both have Roth IRA accounts through our bank (Huntington). When we opened our accounts we met with an advisor and they ultimately recommended GAIOX. We’ve been solely contributing to that for the last 5 years or so.
I’ve been really meaning to make a change since I found this subreddit. Get out of the actively managed funds with higher fees, advisor fees, etc. I just recently opened a Roth with Fidelity and started contributing 60% to VOO and 40% to VXUS.
Now I want to transfer the money from the bank Roth over to Fidelity and manage everything ourselves.
I’m wondering what to do with our position in GAIOX. Do the shares even transfer from the bank IRA to Fidelity? If they do, should we sell it all and buy into our 2/3-Fund allocations? Or, should we slowly sell off the GAIOX and buy into the new ETFs?
Selling all of the GAIOX at once feels like I’m trying to time the market and get in at a good time to buy VOO, VTI, VT, VXUS, etc. (Watching from the sidelines as the market has recovered from earlier this spring, ouch, should’ve done this in early April)
Interested to see what you all think.
Posted Aug 8, 2025, 4:57 PM UTC