[BrokeAssMillionaire]

As I mentioned before, I am a high risk and no reading and study before buying   so don\'t take any recommend from me.

My 401k has around 20 different funds, so I look at the list of highest gain to jump in. Gain from 5% to 22% so I have been picked those high risk that gains from 18% - 22%. Yeah, I was in crash 3 times since 99 which it didn't bother me and never touch but keep contribute.


There are a lot of plans but will see what it's going on in the next few years. I may or may not continue high risk when I reach 60. If I continue to plan high risk, I would move 1/4 out to cash saving in 401k that would be enough for 4 years withdraw. It's good that my 401k has cash saving option that gains only at 1-2%. 

For my individual Roth account for each year of contribution, I usually go to Fidelity Midcap and search for highest gain then jump in. I start late with Roth in the last 10 years, so I don't have much in Roth.  If you have extra cash, better to put in Roth as early in your 30s. Starting Roth at 40s or 50s is kinda late.