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DharaniA OP t1_jebl246 wrote

Reply to comment by InteriorAttack in Should I follow 2 funds portfolio across all my retirement accounts? by DharaniA

I am 33 now. I didn't have much idea on the investing when I started initially. I started with a brokerage account. This is what my plan is going to be 1. Match the employer contribution of 401K 2. max out HSA 3. max out Roth IRA.

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Powerful-Glove6563 t1_jebs03i wrote

I would make following changes

  1. Max out Roth IRA before hsa ( you can only contribute till you don’t reach limit ) .

  2. Check out investment option in your hsa . Lot of employee hsa don’t have good options and higher fees . Incase of change in insurance plan or employer move it over to company like fidelity

  3. Start increasing your 401k contributions as you save more

Keep in mind this are long term retirement money . It can’t be used for immediate need . Good luck

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DharaniA OP t1_jec4qcf wrote

Thank you! Are you referring to the maximum income limit until I can contribute to Roth IRA?

My HSA is with Fidelity.

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