Belgoboy---- Current retiree here.First, congrats to you for starting to invest at a young age.There are some things you need to consider.The stock market has historically returned 10-11% over the past years.A low cost total market fund (VTSMX) will give you this return, less expenses. It will also give you all the diversifcation you need.The only reason you might want to invest in anything else is, if you think you can "beat the market". Many have tried, few have actually done it. In fact, less than 5% of professional money managers have done it. So, IMO, your chances are practically nil.Take what the market offers. Invest as much as you can as often as you can in a low cost total market index fund. Set it and forget it. Keep it simple, then go have fun doing the things you enjoy doing.When you reach my age, you will be very glad you did. In fact, your children, their children and their children will be very glad you did. You will make history in your family tree. <grin>Good luck.Sam
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