u/SP_Spiller_SP

Hi y'all. Just wanted some feedback for my current and future investment plans. Thank you!

Background: 20 y/o college student. Employed with a $47k/year (pre-tax) income. Living with parents and planning to take care of them in their retirement (or find a really nice retirement home). No plans for dating, marriage, etc., but considering single-parent adoption in the far future.

Roth IRA - Fidelity

• 100% in FSKAX (Total Market Index Fund).
• Maxed out in 2025; plan to max out in 2026+.

Brokerage - Fidelity

• 80% in FSKAX (Total Market Index Fund) and 20% in FTIHX (Total International Index Fund).
• Stopped contributing after the Cost Basis hit ~$29k. This money is either my brother's college fund or my personal car fund, depending on his choice of college, tuition, scholarships, etc.

Roth 401(k) - Vanguard

• Plan to start once I meet my company's minimum age requirement (21). I'll be putting in the minimum contribution for an employer match.
• Out of the options listed, I'm leaning towards either 100% in Vanguard's Target Retirement 2070 Fund or 100% in Vanguard's 500 Index Fund.

HSA - Fidelity

• Plan to start once I've paid for my final year at college.
• Plan: Max out with 80% in FSKAX (Total Market Index Fund) and 20% in FTIHX (Total International Index Fund).

Much appreciated.