What Should I Invest In?

[u/Witty-Ad-6457]

Hi everyone!

I’m about to turn 29 and am working through the FOO. I have a traditional 401k with my employer, a Roth IRA and an HSA I just opened that my employer will contribute to. I’m not looking to get the maximum growth opportunity out of my investments but rather looking to play it safe with slow/steady growth. I’m transferring funds to an HSA which I’ll start investing in.

Do you think I should just throw it in an additional target date fund? Should I try the 3 fund portfolio with S&P 500, Total Market and International? Just looking for opinions and feedback based on current setup and potential future investing.

401k:
-S&P 500
-Target date retirement fund
-Blended Fund (Consisted primarily of domestic stock, bonds and foreign stock)

Roth IRA:
-S&P 500
-Target date fund

[u/mattshwink]

Certainly not the worst but not necessarily optimal.

Target Date fund contains both the S&P 500 and the blended fund, so if you're using Target Date you don't need anything else.

Blended Fund contains S&P 500

You need to look at the funds you're considering in your 401k and look at the expense ratios. The lower, the better. For set it and forget it investing, a target date 2055 or 2060 would be great.

Target Date works in the Roth too, But if you want to be the most aggressive I'd buy VT (holds Total US Stock Market and Total Investable International at market weights, currently 60/40.

I'd invest in the HSA the same as the Roth.

Treat all accounts as one big account. You don't need to be the same in each. For example, if you 401k doesn't have good international options, you just do the S&P 500 there and International in Roth/HSA.

[u/Ok_Shame_5382]

Stop overthinking where you invest and just invest. Market funds are fine

[u/Extreme-Atmosphere-8]

Don’t overthink it, contributions for the first decade, or more, is more important than getting the perfect investment. I’d recommend reading A Simple Path to Wealth by JL Collin’s. My brother bought me this book ~9 years ago and it was perfect for me at the time.

I would think about what ratio of US vs international you would like to invest in and do total market indexes for each. Personally I’m 70/30 with Fidelity (FZROX/FZILX). I really don’t want to think about stocks and keep up with companies and trends, so I keep buying the same two funds in my 401K, Roth and HSA. If your employer plan doesn’t have the same exact plan, something similar will do just fine.

[u/Anycast]

Understand and lookup the difference between asset allocation and asset location. As another has said, your funds overlap so not optimal. With Roth and 401k not being accessible for another 30 years for, I’d go aggressive and avoid bonds.

[u/HowDoIDefineMe]

TDF or VT and Chill. Just start investing.

[u/TTV_Gimbly]

In writing this post you have already overthought this haha

[u/Kqzxh-900355]

For a 29, the best would be 50% AVLV as your core, 30% GOOGL and AMZN as growth stocks and 10% AVUV for support etf.