Just set up Vanguard Roth IRA - best ways to invest? Target retirement fund (already do this for 401k), ETF? Retirement is decades away

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Target retirement funds have too high of an expense ratio for me tbh. You could just go for broad stock-market ETFs like S&P 500, large-cap, etc. Since those have lower expenses (and maybe switch to bonds as you get closer to retirement and your risk sensitivity changes).

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Vanguard’s target retirement fund has a low expense ratio. If you’re comfortable with the mix they put together for your date and don’t want to be bothered with rebalancing, it’s a good option.

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Put it in either VTI/VTSAX or VOO/VFIAX and just let it ride. Simple but effective.

Google 'The Stock Series' for rational on why. Good read.

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Perfect thanks a lot!

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Emergency Fund Saved: $12k (on top of 14k in savings)

Stock Portfolio Worth: $70k (Only $5k in ETF, rest in various Stocks)

401k: $12k (I have only been working for 1.5 years out of college

Debt: Thankfully none

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