I’ve proven to myself time and time again that I don’t get in there and analyze investment options and direct where contributions are going to go more than the initial selection… I’m not active in keeping up with what funds/options are best on any regular basis. Does the 401k match/max Roth/max 401k advice still hold true in this case? Are there Roth’s more suited to “inactive” participants?
You don’t have to be a Wall Street mastermind. Sounds like TDFs are your best bet. Let’s say you want to retire at 70 and that will be in 2060. VTTSX would be a fine choice for all of the accounts – 401k at least to the match, maxed out RothIRA, maxed out HSA.
5 minutes a year to fund and invest. Spend another 5 minutes a year automating your savings to xfer $xxx/mo into HYSA, and another 5 min once a year sweep that money into a 60mo CD for an e-fund.
Spend 5 min/ yr moving money into your kids 529 plan, invested in their recommended age-appropriate fund.
Less than half an hr a year. Done.
You may find these links helpful:
– [Retirement Accounts](/r/personalfinance/wiki/index#wiki_retirement)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/personalfinance) if you have any questions or concerns.*
>I’m not active in keeping up with what funds/options are best on any regular basis.
Neither are the people actively trading inside their accounts, the “best” portfolio is only known in hindsight.
I would suggest looking into a single index target date fund at one of the major brokerages (Fidelity, Vanguard, Schwab). It gives you an entire investment portfolio all in one fund, automatically rebalances, and automatically grows more conservative (more bonds) until it reaches the target date.
[IRA wiki](https://www.reddit.com/r/personalfinance/wiki/iras/#wiki_eli5.3A_how_should_i_invest_within_my_ira.3F)
Vanguard does require a $1,000 minimum initial investment for their target date funds, Fidelity and Schwab don’t require this minimum.
Some Roth IRA rules: [https://www.investopedia.com/articles/personal-finance/081615/basics-roth-ira-contribution-rules.asp](https://www.investopedia.com/articles/personal-finance/081615/basics-roth-ira-contribution-rules.asp)
[Fidelity Freedom Index Funds](https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/SHDOCS/FDKLX/hosts/sh_comm_pmqa.002216.RETAIL_pdf.pdf)
[Vanguard Target Date Funds](https://investor.vanguard.com/investment-products/mutual-funds/target-retirement-funds)
[Schwab Target Date Funds](https://www.schwabassetmanagement.com/products/stir)
Target date funds were created for exactly this purpose
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