I’m 20 with 17k in my Roth IRA. I’ve maxed it out both years since setting two years ago and it’s all in FXAIX. Since a new year has started and I’m getting ready to max it out again I’m curious if I should be diversifying or continuing to put it all into FXAIX. If I should diversify I would love some recommendations.
Another question I have is how many of you put money in every month vs lump sum at the beginning of the year? Assuming you have enough to lump sum at the beginning of the year. I prefer to put it all in at once and forget about it but DCAing seems like it might be smarter.