25-year-old asks for investment strategy after opening Roth IRA
A young saver with $33k in savings and $6.5k in remaining student debt seeks advice on building long-term wealth.
What to know
- Young saver with $33k in emergency savings and manageable student debt ($6.5k remaining) seeks investment strategy after opening Roth IRA.
- Early compound growth is the primary advantage: $300/month starting at 25 could reach ~$1.1M by 65 under average market returns.
- Community consensus favors low-cost index funds (VOO, VTI) in a self-directed Roth IRA over hired financial advisors.
Max out Roth IRA yearly with low-cost total market index funds and avoid financial advisors.
-
“I would max out Roth for sure yearly if possible. You can put a total market fund in there or a more aggressive growth fund. Do all this yourself don't hire a financial advisor.”
jed0802 · Reddit
“I would max out Roth for sure yearly if possible. You can put a total market fund in there or a more aggressive growth fund. Do all this yourself don't hire a financial advisor.”
jed0802, Reddit commenter · Reddit
AltruisticRush699 25-year-old saver seeking investment advice@jeremyct Financial commentator
The record 2 articles and posts · last 30 days
What people are saying 3 voices from 2 sites · verbatim
- Aug 13
-
Obviously do an investment account. I would max out Roth for sure yearly if possible. You can put a total market fund in there or a more aggressive growth fund. Do all this yourself don’t hire a financial advisor. I use fidelity
-
Read mmm's blog, throw everything in VOO or VTI if you plan on doing it for the rest of your life and FIRE if not there are other options.
- Aug 12
-
I’ll say it again. If you contribute $300 a month to a Roth IRA starting at 25 and never increase it, you’d retire around $1,100,000 by 65 assuming average market returns. Most people don’t start until their 30s. Some never start at all. Not because they don’t know it’s