Hey fellow Mustachians,
I am trying to get some input on how to best invest my money. Currently I have a 401k, Roth (invested in betterment), and another extra account in betterment. If I contribute 8% to my 401k my employer gives their max contribution of an additional 4%. Currently, I am putting 30% into my 401k (+4% employer match), maxed out roth for 2015, and all extra cash is going to my extra betterment account.
A few friends have suggested that it would be better to cut back on my 401k to 8% and get the max employer match of 4%. My buddies say that taking this extra cash that is no longer going to my 401k and putting it into my extra account at betterment would allow my mustache to grow even more.
I guess my question is does anybody know if putting this extra money (now being taxed) into an extra betterment account made up of index funds with a (90% stock, 10% bonds) is more worthwhile than cranking 30% into my 401k.
I am currently 26 years old and am pushing to retire at 35. If anyone needs anymore information please let me know.