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You could do far worse than just buying the cheapest fidelity s&p 500 index and revisiting the decision in 20 years.
I dont think you need or want any of the TIAA-CREF options.
Not sure you need to buy any bonds right now. Maybe in ten years start putting half your contributions into a bond index, preferably short term or broad index, and the other half still into the s&p 500.
With that plan, by the time you're in your 40's, you'll have an 80/20 or 70/30 mix of stocks and bonds, enjoyed low fund expenses, and likely beaten 99% of other investment options.
As you go along and learn more about how to screw up your portfolio, you could add dribs and drabs of REITS, energy, commodities or other fun items when buying opportunities present themselves.
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Many an optimist has become rich by buying out a pessimist
Last edited by cute fuzzy bunny; 06-15-2007 at 09:07 AM.
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