[TiểuHồLy]

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. 

Thanks for your valuable input and honesty, bro.  I admitted that I did not read every single one of your posts. It's seemingly trading your shares on your own. Are you a self-managed account? If yes, wouldn't you mind giving the pros and cons based on your experiences/opinions? I hired Fidelity to do all the work and paid .30%. Besides, I opened a SEP-IRA more than a decade ago. It gains above 3% currently. Please share your thoughts if those tentative plans turn out smoothly and fruitfully.