mutual fund suggestions

June 20, 2018

bhayyas nenu ee year starting nunchi invest cheyyatam start chesa. Ippati varaku oka 15K save chesa. Investment ki kotha inka nerchukuntunna. Out of that 12K in vanguard VTI and rest 3K in some blue chip stocks. Initial ga oka 10K VTI lo anukunna but market went down and inka e fund manchido telidu so added 2K more thinking market down is a good opportunity. 401k employer match vache antha pedtunna. Using Fidelity contrafund in 401k and have around 8K in it.

VTI enduku start chesa ante at least market returns vastayi and low expense ratio. nenu chesina research prakaram total market and S&P500 are almost same and konni funds market ni beat chesina constant ga e fund market beat cheyyaledu so vanguard total market VTI is best.

Meeru invest chese mutual funds/etfs chepthara? VTI lo 12K ok na leda move cheyyamantara? since vti lo 12K undi kabatti possible higher returns funds ki veldam anukuntunna which may beat the market. I know that will be higher risk but I'm fine with it. Ultimate goal is retirement and will be saving for next 30-35 years.

thanks!