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REDDIT

Roth IRA 21 YO. What to have in it.

W
Jan 15, 2026 · 17:27

Hi, I bet this question has been asked alot. I recently just maxed out my 2025 Contribution limit as a Senior in College. I currently have it all in VOO. I am weary because of how high it currently is and how expensive it is. iIs there anything I should be diversifying it with? Also how important is it to try and get on the 2026 Contribution limit? Thank you so much and I appreciate all of the help in advance. I would love any advice.