Hey guys, I'm new around here. This is a great forum and website and you all seem to be really nice and helpful. A little about myself:
I'm 25 years old, working full time and saving about 70-80% of my income. I bring home about $2200 a month after taxes and 401k contribution.
I've got about $2,400 vested in a 401k (2% of my paycheck, employer matches half of that. This is divided up between the only 10 aggressive funds that my 401k provider lets me pick), $4,000 in Lending Club (D-G notes only, using nickelsteamroller filters, expecting 13% ROI), $9,500 in liquid savings, and about $2,000 available in my checking account. I own my car outright, live at home to save on rent, and the only debt I have is from my rewards credit cards (I put everything on either my Amex Skymiles or AAdvantage for the miles) and I pay them off as soon as I get the statement.
I've got a job lined up overseas starting in May, so I plan to leave my current job at that time. I figure now is a good time to get my liquid savings working for me since they won't be of much use sitting in my .75% interest Capital One 360 savings account while I'm away for a year or two. Travel is my passion - I am not excited about working in a cubicle in my hometown and my tentative plan is to retire to Thailand or somewhere else that is cheap and warm in 5-10 years. When I am working overseas I will still be saving 70-80% of my income so I will not need a ton of liquid USD when I leave. My flight is also paid for with miles from my rewards cards bonuses.
I plan to put another 2-3k in Lending Club over the next couple of months. But I'll still have about 14-15k that I will need to find a place for. I've been reading about VTSAX Index Fund, but am not sure I want to put $10k+ of my net worth in there, since that is the minimum. Are there some other nice index funds that are similar to the Vanguard with a smaller minimum so I can spread around a little more? Another option is to just put $8-$10k in Lending Club. It seems to be pretty hard to beat LC returns.
Any other suggestions on good, specific ways to spread around my current savings account would be greatly appreciated. Right now, I am fine with being quite risky/aggressive.