I'm 25 and I am trying to be more financially responsible and be ready for retirement. My money is currently spread across multiple platforms.
- 5% of weekly paycheck in 401k + 5% employer match
- $70 to VTI and $30 to VXUS weekly
- $7k Roth IRA for 2025 (still working on maxing out my 2026 contribution)
- $16.6k in HYSA (about 3.8 months of emergency fund)
I just contributed to my Roth IRA for 2025 today and I know that I have to actually invest it for it to earn money. My question is what should I invest it on? I was thinking of putting all of it in .SPX since my 401k is already being invested into Vanguard Target 2065. Is that a good idea? I am holding long-term.