Thoughts on selecting the Russell 1000 index fund for my 401k? Expense ratio of 0.01%. I was considering the target date fund, but I’m 25 and don’t really want any bonds atm.

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Good call on avoiding target date funds - no need to have any bonds with retirement so far away. A russell 1000 index fund is a good choice. I would select that along with a blend of small/mid/large/mega cap and total market funds. In my experience, Vanguard funds have the lowest expense ratio.

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Depends how much you want your portfolio to be weighted with small/mid caps. Total market indexes usually only have ~15% off small/mid caps combined.

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Yes, ignore bonds at your age in this environment. If rates you up, bond prices will go down and that’s the last thing you want as a young growth investor.
Russell 1000 is good. Russell 2000 or 3000 give you more small cap exposure.
If you are trying to identify a single core position I like 1,000 as its more breadth than SP500 without being aggressively heavy on the small caps

You’ll make a larger difference in your investment behavior than your investment choice (allocating high percentage). Also target dates only have a composition of approx. 6% bonds anyhow at age 25. So the conservative growth portion is really not doing much harm at all.

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Additional Posts in FIRE Financial Independence Retire Early

I have a lot of student debt from law school. I’ve refinanced a couple of times and received the best fixed rate available, but I’ve seen others refinance with a variable rate which of course is lower. I’ve read some other comments of people refinancing at a super low variable rate....isn’t this risky? Of course I am afraid of going variable and then the interest rates going up a lot. Am I missing something?

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I’ve been reading more and more in other financial forums about people refinancing into interest-only mortgages as a means of maximizing cash available for investment. Help me understand the argument for doing this? I’m starting to see it could make a lot of sense for people who 1) have a ton of equity and aren’t worried about the housing market flinching, 2) probably won’t keep their house forever, and 3) already have a high net worth. Thoughts?

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Are there any banks that that have the net-worth visualization capabilities of Personal Capital? Want it specifically from a bank as opposed to PC because I don’t want to give my data to them

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I am still waiting on a 2k federal tax refund from the 2019 tax year. I’ve called 20+ times over the past year, and haven’t gotten more than “we are working through an unprecedented backlog and will get to it soon.” Anyone in a similar boat and/or have any advice other than wait?

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I am convinced buying a house is a poor use of money when living near any mid-sized to large city when looking at investing that money over a 15-30 year time frame. What do I need to be considering?

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Is contributing to an HSA better than a taxable brokerage in CA?
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Do people tend to age out of wanting to FIRE?

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Friendly reminder: IRA contribution limit increased from $5500 to $6000 in 2019. Make sure to update those automatic contribution amounts!

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Do I have too much cash ($35,000) in my high yield savings account? No immediate plans to buy a house (but could be an option). Rent is $2100 and have no other debt or month financial obligations.

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Anyone regret not doing banking to do FIRE faster?

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How much do you donate each month/year? What is your total comp and age?

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