23yr old looking to be aggresive.

The Roth IRA is a good mechanism but because you are limited on the amount allowed to be invested yearly ($5000) it will take forever to build a solid base - but you have to start early. I personally don't care for mutual funds - never have. Put dividened stocks in the Roth and reinvest the income every three months for free. My daughter has a Roth 401K plan with employer matching and profit sharing - she will be loaded and tax free when she retires. The Roth will allow you to play without the hassel of tax paper work - no schedule D. Stick with the TSP and load up as much as possible - later on in life you can switch some of those funds to your Roth. And you can even leave some money to the kids with that Roth.
 
Hey okayDrain,

I'm kinda in the same boat as you. I'm not enlisted but working civilian for the DoN. Really appreciate what you guys do out there.

I'm a college grad and been working here for about 5 months. Right now its 100% in G fund until I learn more.
 
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