I’m 22. I have a Roth IRA, HSA, and currently a Roth 401k but I’m probably switching to a Traditional after reading some threads.
In the 401k, I have a Vanguard 2070 Target Fund.
In the Roth IRA, I have VOO, QQQM, and an international ETF.
Currently, I am not investing my HSA in anything. Not by choice but by uncertainty.
Question: How much do these overlap, and is the overlap fine? If you would change any of these investments, which account and why and what would you switch it to? And what should I invest for my HSA?
P.S. I’m not very financially literate, so help me understand and give me the dumbed-down answers lol.