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Do most people here try to do any special allocations between sectors? Or even between stocks/bonds?

Personally I rarely invest in bonds and never really paid much attention to sector allocations. I just try to keep stocks to 10% or less positions (not a firm rule but I'm not going to buy a new 20% position in any stock).

Right now I'm trying to figure out the mess of stocks, mutual funds, ETFs, etc. that I've accumulated. Much of which from inherited accounts.

My plan starts with selling the mutual funds (in non-taxable accounts so no tax issues now) and then moving that money into various stocks and ETFs. Unfortunately due to the need of keeping the inherited accounts in separate accounts it still will look messy with ~8 accounts at Fidelity alone.

I might go with all ETFs at Fidelity and keep stocks only in my main account at TD. My father only had a variety of mutual funds and ETFs. I think I only have BRK in my fidelity account(s).

Anyone here use Fidelity? If so, how easy is it to add someone else to your accounts?

I've already want through the process of adding my wife as the beneficiary of all of the accounts (somewhat tedious despite the "copy" beneficiary command, as you still have about 4 more windows/clicks to complete the process).

I think I'll call Fidelity to ask them a few questions such as whether there are fees to sell the inherited Vanguard mutual funds, how hard it is to add my wife to the account in case I'm incapacitated, and better understand the differences between "Z" and "X" taxable accounts. One seems to allow ATM cards and the other doesn't. Seems strange to have 2 different types of taxable accounts.

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