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How to choose mutual funds to invest in (lemm.ee)

submitted 1 month ago by [email protected] to c/[email protected]

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I've been on an HSA+HDHP for a couple of years now and only realized recently the interest earned from investing HSA money is also tax free, so I want to start investing a part of my savings and see how it goes. I have 2 options, Betterment or Mutual Funds. I figured I'd try the latter to avoid fees, but I'm not sure which funds to choose. My HSA currently provides 30 fund options.

I see people mentioning Vanguard a lot so I spread out my initial investment into 25% chunks across 4 different Vanguard funds. How did I choose them? Well I literally just looked at the performance graphs and selected the ones that historically went up steadily without major dips. As a total noob, how can I improve my choices? Is there a simple way to decide without having to dive deep into the stock market?

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[–] [email protected] 4 points 1 month ago

I'm lazy and went VWCE. A world wide index fund with exposure to US, EU, and Asian markets.

I buy a bunch every year, I don't care about the buy price because the fund follows the market. If I get a few less because I got it on a rally, meh. If I get more because I got it during a dip, neat.