I'm (nearly) 28 years old and new to the whole investing thing, actually I've only done research up to now. I recently finished my studies and have about 50k in student loan debt, all federal loans at 6.8% interest. My plan was to aggressively pay off my student loans, while matching my employers 401k contributions. I figured I could do this in about 2 years at my current salary since i'm fortunate enough to not have a mortgage on my home.
After reading some stuff on here about compounding interest and going to fidelity and seeing the aggressive growth even from moderate funds, I have reconsiderations about whether rushing my loans is the best decision. If the past few years have been any indication of how the markets will act going forward, I question whether I would be better off: 1) refinancing my loans to hopefully 4%, 2) paying them off over the next 10 years making minimum payments, 3) maxing out a Roth IRA (5.5k), 4) maxing out on my 401k (17k), 5) invest the rest in some other fund/stock (maybe 10k/year).
My previous plan was (and I have actually already begun this): 1) max out on the Roth IRA and 2) dump everything else into my loans.
My goal is to invest as much as possible for long term growth. I'm not really looking to retire early and I'm not looking to get interest from my investments for another 30 years. I guess I want to be able to retire in 15 years or so, but chose not to if that makes any sense.