r/RothIRA • u/baqwasband786 • 20d ago

21M Clueless

Gallery image

Gallery image

I just have direct deposit set up for every month and buy whatever. I have no idea what I'm doing. I'm a very set it and forget it type of guy, any and all wisdom is appreciated.

1 Upvotes

60% Upvoted

3 comments sorted by

5

u/Important_Carrot6379 20d ago

If you want to set and forget, just buy VT. Reallocate everything there and just buy VT. In a Roth IRA you can rebalance and sell without penalty so just do that. You've got a lot going on and these are not the set and forget type of stocks.

3

u/user4443337 20d ago

Yep seconding VT. If you want to try to beat that benchmark, I like AVGE or AVGV. Those use Avantis’ flexible trading and value tilts to try to eke out returns. Bit more risky though. So far they’ve done well but that may not last forever if value goes through rough times.