No. of Recommendations: 1

I'm new to the motley fool and these boards, but
I have a basic question. I'm 25, just out of school,
and have a decent job. I contribute to my 401(k)
and to a Roth IRA. The question I have, is should
my 401(k) funds and the Roth IRA be geared toward
more aggressive, riskier funds or is it ok to be
conservative? I know time is on my side, so it
probably wouldn't hurt to get an aggressive fund,
but part of me feels that if the stock market has
a ~11% gain in average, there has to be some stocks
that aren't performing to that 11% or greater...thats
why its an average, right? So right now, my Roth IRA
is invested in an S&P 500 index fund, and my 401(k)
is spread out over relatively conservative funds.
Should I switch some of them or maybe just use one
to be aggressive? Any suggestions?

Thanks and Fool on.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.