No. of Recommendations: 3
You are really making things a lot more difficult than they need to be. For now I would suggest just putting your retirement funds into low cost index mutual funds without any fees. Until you have more to invest the fees are too high a percentage of your total account and it is unlikely that you will be able to make up the higher expenses by somehow being able to pick above average stocks.

Note, that when I said index funds, there are probably a couple of dozen different indexes that you can choose from, not just the S&P 500, so you could pick one that is more aggressive because of you age.

Greg
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