While I find this discussion board a source of useful ideas, I doubt any fund manager profiled here will be working when my last child (if he's lucky) retires in 40 years.
Therefore, if you were funding an IRA to reward your progeny for sharing some of your genes and not yet falling afoul of the law, what would you select? If Social Security survives, they don't need bonds now.
I'm leaning toward a platform such as TDA (but maybe Vanguard would be better) and ETFs or Vanguard indexes, and 70% non-US, but there are a lot of smart people commenting, and the advice is free. (Please avoid the gratuitous comment about cost and worth.)
Thanks in advance. Perhaps my children will thank you later (but they'll think it was all me).