"Sandra Loosemore" <noreply@[EMAIL PROTECTED]
> wrote in message
news:m363v17nhf.fsf@[EMAIL PROTECTED]
> joshbilsky@[EMAIL PROTECTED]
writes:
> Personally, I'm a fan of keeping things simple while you're a newbie
> investor. Sticking with the VGSTX or a generic balanced or
> target-retirement fund is usually the best choice if you haven't had
> time to think about asset allocation, don't have enough money that it
> makes sense to keep track of 5 or 6 different funds, or just don't
> want to put in the effort to come up with an asset allocation plan or
> research lots of funds.
I agree. However, one suggestion: If the reason you're just starting a
Roth is that you're relatively new in the job market, that suggests that
your time horizon is 30-40 years. In which case, if you have the stomach
for it, you might want to consider VHGEX as an alternative (or supplement)
to VGSTX.
It is unquestionably more volatile. However, because it is 100% equities,
it is quite likely to return substantially more over the long term. But
you
have to be willing to accept a rough ride from time to time.
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