I'm 24, and luckily my living expenses are super low so I'm able to put aside $800/month for investing. Using Vanguard, I currently put $400/month in a Roth IRA (90% stocks, 10% bonds). I put the other $400 in a Vanguard Star mutual fund (63% stocks, 37% bonds) that I can access at any time.
I've split them like this because of the thought that I may want to access some of the funds pre-retirement (buying a house, etc.), thought I don't if this really makes sense. I have six months expenses saved in an emergency fund.
What are your thoughts - would I be better served if I started investing more into my Roth IRA, or should I keep things as they are?
Submitted October 13, 2017 at 11:08AM by SnideOctopus http://ift.tt/2ghjlPu
