Solid plan. Don't be one of those people that leaves their money sitting uninvested in the ROTH IRA though. Mentioning this because you said you're a true beginner, and I occasionally see posts where the money sat in their account for 5+ years because they didn't know. FZROX is a decent pick to park your money until you have a better picture for what strategy you want to implement. Also, don't panic sell your positions just because they drop. You're not down until you sell at a loss.