I've had a Roth IRA for about a year and a half now, and have it fully invested in VTTSX, which is Vanguard's Target Retirement 2060 fund. I'm 21 years old so I feel like my investment strategy should be pretty aggressive.
My issue is that VTTSX got me a 10.4% return last year, while SPY posted 13.8% and VTI got north of 14%. I feel like in an above-average economic year an aggressive portfolio that you'd want in your 20's should outperform those, or at least come close to their numbers. I'm considering putting the entirety into VTI for the next couple years until I have enough to meet the minimum balances of multiple funds and build my own portfolio.
Am I overreacting to one year's returns, or would this really be a better option?
Submitted January 02, 2017 at 07:18PM by Macklem0st http://ift.tt/2irZFag
