How Do I Diversify My Retirement Investments?

Ramsey Everyday Millionaires

Ramsey Network

Business, Careers, Investing

4.8 • 3.6K Ratings

🗓️ 7 May 2025

⏱️ 3 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVester.
0:08.0	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:13.7	All right, Aaron is in Youngstown, Ohio.
0:15.9	Up next, what's going on, Aaron?
0:17.6	Hey, George.
0:18.1	How are you?
0:18.7	Great.
0:19.5	How can we help?
0:20.7	So, first and foremost, thank you guys
0:22.8	for taking my call, man. It's such an honor to treat you guys today. I'm excited. Secondly,
0:28.8	a little bit about me. I'm 22 years old. I work for all team cells in Lorsetown, Ohio. I make around 90,000 a year, including profit sharing.
0:44.9	And the only debt that I have is my mortgage.
0:48.8	Awesome. What's your question?
0:50.5	My question is, given the circumstance, how would I diversify my portfolio given right now?
1:00.2	My company also does a 10% match.
1:03.9	Amazing.
1:04.9	I'm only investing in the Roth right now.
1:07.2	So are you investing 15% of your gross income regardless of match? Right now, currently,
1:13.8	I do 50% of my income after taxes. So that would be the Roth right now. I'm not doing anything
1:21.5	towards the 401K. Okay. So you've got a Roth IRA that you're contributing to? Correct. Do they have a Roth 401k option through your employer?
1:31.1	No. Okay. I would check in on that, but here's the strategy. Match beats Roth beats traditional. So you're investing, you've got the match. It's 100% return next to all the Roth you can. For you, that might just be the Roth IRA. And if you still have money beyond that and that 15%, go back to your traditional options in the 401K. And as far as
1:49.6	diversifying, what are you invested in right now? What funds did you choose inside of your
	...

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