How Would You Allocate $5,000/mon?

Buy Vanguard Target Retirement Series appropriate for your age and forget about it. OR - if male - don't fight the biological imperiative - read Bernstein, become a disciplined slicer and dicer - in which case you don't need advice - except don't forget discipline - it's that rebalancing discipline that's key.

I use individual hobby stocks to keep the biological juices flowing. Competative sports and perhaps fishing may work for others.

The amount you save early and the longer you keep it working are the keys. Reasonable diversification/ low expenses including low turnover help.
 
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