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REDDIT

Retirement perspectives/input

S
Jan 3, 2026 · 22:10

I’m looking for some different perspectives. In mid 40s currently have a Roth IRA, 401k, HSA accounts. While I know appetites vary wildly, are you more aggressive, conservative, or balanced at this stage? My Roth is a mix of VOO, AVUV and a small slice of SMH….while 401k is Large Cap Growth, DOXGX, S&P 500 and Russell alpha tilts…HSA is VOO.

Like anyone, wondering if I should course correct or stay….while fully understanding there is no crystal ball

Thanks in advance