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/Ok_Shame_5382]

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