I’m relatively new to investing and am working my first job now.
Each pay period (27 this year), I contribute $300 (9%) to my work 401K. 3% normal, 6% Roth. Work matches 3% across that same split, so $33 to normal and $66 to Roth. This means I have $400 hitting my 401K every month. I started this a few months ago so I have $7000 in there now. I’m 70% in FFIXK, 10% in DGEIX, 10% in FNBXX, and 10% PUCQX (Fidelity).
When I accrue saved money outside of this from budgeting wisely, I have been putting it into a HYSA at a 4.05 APY. I have $6500 in there and am aiming to get to $15000 to have a small emergency fund.
Once that is done, I am planning to contribute to a Morgan Stanley brokerage account I’ve had set up for a while. I dumped all the money I made over college internships I had while living at home where I wasn’t paying rent, and it currently has about $14000. Split here was initially 33% CGUS, 33% SPGP, and 33% a MMF.
My question is: how can/should I be adjusting my investment portfolios as well as the larger plan if I’d like to be able to buy a house in 10 years or so? That’s really my main goal Im thinking about and want to grow this money wisely because of how much time I have to grow it.
Thanks!