I have no 401k @ wrk. Max out Roth Ira . am 51 Have 35 k in Roth thus far. Where should I invest the rest?

ok, investing in fpa cresent fund currently. fund. roth ira money invested? if so, need invest rest in other asset classes. if concerned tax efficiency, option invest directly in blue chip stocks. buy , hold strategy , pay taxes on dividends. such stocks ko, bdx, wmt, mcd, pg, cvx, nsrgy, etc. need brokerage account though.

option invest no more 10-15% of total assets in developing market mutual fund. there risk doing , why investment should limited. tax efficiency issue except if choose index fund tax efficient more or less. 1 of these broadly invested in asian developing markets maptx--matthews pacific tigers fund. 1 of more tax efficient. minimum investment though $2500 have make rather large % initial contribution total assets. china , india countries 2 largest investments. developing market option fund invests in latin america. prlax--t rowe price latin american fund such fund. mistake invest in both. 1 or other.

3rd option invest in small cap stock fund. tend perform differently large cap funds. fpa tend invest in small cap not much. royce funds specialist in small cap investing. option 10-15% of assets.

cash option. markets have rallied 60+% lows. might not opportune time invest great deal of new money in equities. 20%-30% of ones assets in cash not inappropriate @ time. tax efficient too.

opened fpa cresent fund non deductible auto investment plan. suggestions? can invest $500+ monthly. concerned tax efficiency yet in low 10% bracket. i

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