Three funds portfolio

[Mario2222]

I planned to buy a 3 funds portfolio in my Roth IRA account. VTSAX = 70%
VTIAX =20%
VTBLX = 10%
I didn't have enough money to buy 10% of VTBLX . I added the rest of money to VTSAX. Now I have VTSAX = 80% & VTIAX = 20%. I ended up with 2 funds. I'm 40 years old.
I'm thinking to build a fund in my settlement account and sell 10% from VTSAX to buy VTBLX .Any suggestions?h

[000]

Use ETFs or an all-in-one LifeStrategy or Target Date fund.

[22twain]

I assume you will contribute monthly from now on. If you simply put the new money into the settlement fund, how long will it take to reach the minimum purchase amount for VBTLX?

Think of the settlement fund as a bond fund that pays practically zero interest/dividends. It's still "stable", which is the main purpose of the bond portion of your allocation (for me, at least).

[earflop]

I planned to buy a 3 funds portfolio in my Roth IRA account.

Do you have any other retirement accounts, such as a 401(k)? You don't have to have the three fund portfolio in every account - rather you should look at all of your investments as one big account. You could put your bonds elsewhere and minimums won't be an issue.

[Ferdinand2014]

Fidelity requires no minimum investment in any of their index funds. Or just buy the ETF version.

[absolute zero]

Duplicate