So I’m like many others frustrated by the recent market but understanding that this is just the way it goes sometimes. For context I’m 32 and intending to invest for another 25+ years.
Here’s my current portfolio and I’d love some insight as to what more I can be doing to prepare for retirement and what I can do now to protect myself from volatile markets.
Investing 10 percent into my 401k which invests into “American Funds 2055 Target Date Retirement Fund - Class R4”. Currently has 88k.
Investing 500 monthly into my personal brokerage account that buys into FXIAX with a cost basis of 193. Currently sitting at 23k
Investing 583 into my Roth IRA that invests in FZROX. Currently has 8-9k.
I also have a real estate portfolio so I am not over leveraged with the markets.
I have 50k in a HYSA that I am using as my emergency fund/calmer waters for my cash at a 3.7 percent.
After every expense has been paid and every cent accounted for I usually have 2-3k left over monthly. Should I be doing more with this? More aggressive DCA in my sp500 fund? More cash on hand in my HYSA during these volatile times? More exposure to other markets?
Any insight is welcomed!