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REDDIT

I have a Roth IRA, a Roth 401K, a HSA, & a traditional, taxable investing account. Is there any reason to choose different index funds for each of them?

A
Dec 20, 2025 · 01:37

I started a Roth IRA in Robinhood when I felt competent enough to begin investing for my retirement. I created a personal brokerage account for more risky investments, like individual stocks, to try to beat my HYSA returns of 4%, which I’ve done. I got a new job that offers a Roth 401K, which I believe to be better than a traditional 401K from my research, and an HSA, which I am inclined to use due to my T1 Diabetes based on how beneficial they appear to be. My question is…
Is there any reason to choose different specific investments for each portfolio, or should I just stick to the tried and true methods for each of them, such as “VOO & chill” or similar?