I was wondering what type of investment would be best for a roth ladder setup. VTSAX is the staple investment around here, which is great for anything long term, and doubly great in a roth since the earnings won't be taxed. My concern with VTSAX in the ladder situation, is the volatility dropping your account balance below your contribution amount. Does it make sense to be more conservative in this situation to protect principal? Or does it not matter too much since you will always have 5 years of contributions rolling around in there?
