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[QUOTE="HuskyHawk, post: 4103093, member: 1414"]
I loosely agree with what Genevieve Roch-Decter says, which is allocate about 80% of equity assets to large caps in core industries. S&P 500 indexes and other ETFs plus individual stocks, like Exxon, Pepsi, Disney, Lowes/HD.  Allocate 20% to higher risk, higher reward flyers.  [URL="https://gritcap.io/"]Grit Capital – With Genevieve Roch-Decter[/URL]

For me, that 20%, or as much of it as I can get, goes in my Roth.  If you're going to have something take off and go up 2000%, you don't want to pay taxes on those gains.  Ever. Several years ago I bought a bunch of Amazon in my Roth, still have some but I took some profits. I bought Apple there too, currently up 429%.  I can no longer put any money in my Roth, but if you can, max it.

With a Traditional IRA or 401k, taxes on gains are deferred until withdrawal.  This is nice, because you hopefully pay those taxes later when you aren't working.  With a Roth it is [U]tax free[/U].  So I'd never, ever put a bond fund or some low growth, low risk asset in a Roth.
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