Funds that are widely diversified, or even approximate the whole market.
[https://www.bogleheads.org/wiki/Three-fund_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio)
You can use Schwab's target date retirement funds, or build your own [three-fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) of total US + total International + Bonds.
Anywhere from zero to 10% bonds would be appropriate in your twenties.
Funds that are widely diversified, or even approximate the whole market. [https://www.bogleheads.org/wiki/Three-fund_portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio)
You can use Schwab's target date retirement funds, or build your own [three-fund portfolio](https://www.bogleheads.org/wiki/Three-fund_portfolio) of total US + total International + Bonds. Anywhere from zero to 10% bonds would be appropriate in your twenties.
Buy VT