[Bill]

Most in the FI community will likely not recommend individual stocks but rather low cost broad index funds, specifically ETFs.

Common fan favorites are Vanguard’s S&P 500 index fund ETF (VOO) or its Total US Stock Market index fund (VTI).

Both have consistent long term performance well above 3-4%.

As to the target date fund in the Roth IRA, I think most would recommend against that as well.

Target Date funds can be too heavily weighted in bonds and a lot of folks don’t favor that in Roth IRAs.

I personally prefer growth funds in the Roth IRA as a common strategy is that the Roth IRA is the last account to ever be touched, so additional risk is tolerable for the long term growth.

All depends on your individual situation though.

[Mark]

Please research low cost, broadbased mutual / index funds and etfs. This should be the bulk of ur investments. Learn how theyre different. Learn how thet are similar.

Learn how they work and what they invest in. Type these terms youtube, google, investopedia and take notes.

EDUCATE EDUCATE EDUCATE. its all free.

[Sean]

It’s great that you’re thinking about your financial future. Your issues can’t be addressed in a vacuum.

What you invest in in a retirement account should take into account your overall financial picture and your overall goals.

[Grant]

I will assume that you already own quality ETF’s for retirement and want to branch out some (if I am wrong, then circle back to the recommendations for VTI and VOO).

With that said, oil/gas companies are down. So, TICKER COP and XOM are excellent choices.

Also, some good buys for REIT’s and BDC’s are (ticker: MAIN and O).

They all pay dividends and provide you with growth. Good luck!

[Author]

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