No. of Recommendations: 3
MM:
As I'm still in my 20s, it would allocate 72% to the Vanguard total stock market index fund, 13% to the European Stock Index fund, and 5% to the Pacific Stock Index Fund, along with 10% to the total bond market index fund...and will shift as I get closer to retirement.


those would be excellent choices.

You might start reading up on your own on investing.

I highly recommend the following

William Bernstein, The Four Pillars of Investing

Roger Gibson, Asset Allocation (after yr 2000 pub date)

Tom Stanley, The Millionaire Next Door

Index funds are excellent ways to minimize your investment risk, while getting 'market returns'.

Also, steer clear of credit card debt, and buying 'all you can afford'.... that just makes you an excellent consumer, not a smart user of your hard earned income

Good investing

T.
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