I’m no pro, but if you’re in your 20s, I believe that a higher-risk option for you 401k is actually…
Sariberry
22

I’m on the distribution side of the equation and experienced significant declines in the late ‘80s, the dot com crash, and the financial crash last decade, and as a younger investor, you DO have time and compounding on your side.

FWIW, seek out the Roth option if available. It it is possible to be in a higher tax bracket in retirement with consistent successes.

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