Enjoy Your Retirement in the United States! Learn more about 401(K) and IRA

There are three main principles for 401k Fund Options: Firstly, choose Target Date Fund, secondly you can start your own portfolio to funds with relatively low cost index fund, including sp500 index fund and mid-small sized fund, international stock funds. Besides 401K, the most beneficial account is Roth IRA, by creating Roth IRA account, you are allowed to buy stock or fund. So there are so many options for Roth IRA, why take so much effort on fixed investment?  

For most people, Roth IRA is an investment, so buying and selling short-term shares is not necessarily a good deal, because in case your stock loses, part of your loss is not tax-free as a regular account. Of course, this means that if you buy and sell shares and make money, the winning party does not have to pay taxes. Thus, the pros and cons of stock market speculation are obvious to Roth IRA, if you do not have enough to be sure enough to make money (I believe 99% of people will not), stocks or stocks are even more stable in the current account, for Roth IRA, fixed investment is always the safest but most effective method.

So-called investments are called from time to time, such as transferring the same amount of money to a Roth IRA account each month and buying funds. Here is a very serious problem: transaction costs. Since Roth IRA can only invest 5,500 a year, an average of less than 500 per month, and can buy more than one fund, the market now has about five for each transaction, even if there is only one fund per month, the transaction fee is 1%, which is totally unacceptable. Fortunately, the vast majority of brokers now offer free etf trading, the options are very wide, and here, for example, Fidelity, I'll introduce you to some of my favorite etf combinations.

So far there are 70 floats that can trade for free, and you can click on this link to find the full list. Overall, the range of options remains important, including U.S. equities, international equities and bonds. Because if the number of investments can buy very little per month, then the number of funds is even better, here I share with you my three favorite etf:

Of course, here's just one of the simplest but most practical examples. This does not mean that other funds are bad, as long as the cost of the fund cost is low enough, and your portfolio is diversify enough, so any option is possible.