Quote:
Originally Posted by jalexand42
If you are capping out your 401k and a Roth in your early 20's, you are WAAAAY ahead of the game. Congrats.
Just put it all in a target date fund (assuming a good one with low fees). Keep it simple.
Haha that’s what everyone says which I really appreciate!
One of my best friends really got me into it as he went to school in finance and started in his teens.
I feel like I should have started even earlier after talking to him!!
I know the market is down now and has been since I started investing but it really means nothing at all to me at this period of my life.
I just reinvest the dividends as well (obvioously)
I use the FDKVX target date one the expense ratio is 0.75
Maybe eventually I’ll just change to the index fund version with a lower fee ? Like 0.015 or something