BND, JNK or something else?
RedditI am 49 years old and have all of my retirement savings in a Rollover IRA account at Fidelity. My portfolio is mostly VTI, VOO, FXAIX, SCHG, FSELX, QQQM and also some individual stocks like AAPL, MSFT. I don't know a lot about investing. Came up wi…