Hi! I’ve used guidance and read a bunch of things about where to allocate your funds for retirement. I opened a vanguard Roth IRA about 4 years ago and have maxed them out. I have maxed out 2026 but don’t know where to allocate these funds. I currently have these mutual funds.
VFIAX VTSAX VTTSX
I am turning 31 this year. I do have a 401(b) from TIAA from my employer where I allocate $500 a month.
Thank you!
Edit: should I be buying ETFs or Mutual funds??