Ok, I'm sure this is the same ground that's been covered a ton in this thread but still -
I recently ended my relationship with a former employer and rolled over a 401k with a couple hundo into my Fidelity account where I have everything else, and that wound up leading to a bunch of discussions. I've been self directed for the most part, I have a few single stocks (a little bit of google and amazon, a little bit of apple that turned into a lot over 15 years) and a couple grand in a mutual fund and a little bit of company stock from the employer before the most recent one but have mostly been in S&P type index funds. No bonds at all, really no international at all, I also went ahead and rolled over my even older 401k into IRAs, and so I have a ton of cash mixed in with the other stuff in about 75% roth and 25% traditional ira. I think I'm going to start going all in on traditional IRA at this point, but generally right now my question is if I should even be entertaining the "let us manage your IRAs for .9%" pitch from Fidelity or if I should just go three fund, and I guess do I really need bonds if I'm not planning on retiring for another 20 years? I know almost nothing about bonds, i've really just been hucking money into retirement without thinking about it too much for my whole career, and I guess at almost 40 now is the time to start thinking more strategically, but I don't want to sit around thinking for too long with all this cash out of the market.
My inclination is to just do what I've been doing but maybe more closely aligned with an actual boglehead three fund approach, not fuck around with paying a fee, I guess I'm looking for validation that that is wise and I'm not failing to think about some aspect of things that i haven't thought about yet, and maybe some bond talk although I think there was some up thread that I'm going to go find.