Where is everyone investing their pre-59.5 retirement money? I'm just using basic mutual funds for now, but wondering if I'm missing something that exists specifically for this.

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I’m using mutual funds. Mostly VOO but some others too.

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VOO, VTI, QQQ, VXUS. Some combo of these and don’t look at it. Next thing you know 10 years go by and HELLO gains. Don’t use the last 6 months as any indication as to what the markets will do over time. Good index funds over time return about 8% annually. This could be zero one year and 16% the next year, but over time this is roughly the return.

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Some combination of US market and international market. Like VTI and VXUS or the mutual fund equivalents.

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Do you just mean taxable brokerage account and not a tax advantaged account? There is a decent chance I don’t need it until after I retire. I was just using ITOT and IXUS but after selling some for tax losses I also have VXUS and VV. Those 4 funds are all of my taxable brokerage account

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Vigix and similar growth funds

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Tqqq

Sqqq was an awesome play today

But benefits express @PwC doesn’t allow VTI or VOO

Pre-retirement he said. So author's personal, outside brokerage/investment accounts.

Or do I misunderstand you?

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Does it make sense to put it in a Target fund (e.g., vttsx)? Or should I just be allocating to voo, vti, qqq, vxus??

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