Posts  / #POST-215897
REDDIT

Help with 401k investments

L
Jan 5, 2026 · 00:15

Hello all. So I am currently staring my financial literacy journey and am learning quite a lot. I recently opened a Roth IRA account for 2026, as well as a HYSA. I also contribute 3% to a 401k with my employer where they match 3%. What I did not realize until now is that I have to invest the money in the 401k as well (yea, I know 🙃). I plan to start my portfolio now to start investing my contributions moving forward, however I am over 10,000 in my 401k as of now. For what I already have in my 401k, am I still able to invest that, or am I only able to invest moving forward? If I can invest what I have so far, how would you suggest I move forward with that? I appreciate the advice in advance!