u/Brendan4547

Hi everyone! So, as the title says, I’m 24, going on 25 this year, and expecting to start my full-time career in the next 6 months or so. I have a Roth IRA with not much in it (I started it while I was a broke undergraduate student), but I am looking toward the future.

Currently, about 7% of my portfolio is in SCHD, 30% in SWYOX (target date fund for 2065), and 63% in SWPPX.

I know, at my age, most people are going to say that overall long-term growth is better than things like dividend funds and so on, so I’m not really looking for a comment on that discussion. That said, I do like having some dividend income from SCHD that builds nicely, so I don’t mind keeping it in the 5% - 7% range for now.

My main question is about the target-date funds vs. the S&P index funds. I know target-date funds tend to be a tad more expensive in exchange for the convenience it brings as you get older and so on. I’m just looking for your guys’ opinion on something for someone my age:

Do I go more “all in” on one or the other? Do I keep both? What percentage of my portfolio for each fund would you guys recommend, and why?

Thanks in advance, looking forward to your feedback.

Hi everyone!

So I seem to struggle when it comes to picking the correct runes and items when matched against champions that you cannot do short trades with because of their sustain. As we know, Garen tends to do best when he can whittle down his opponents' health bars with short trades until they are within a one-combo execution range. I am mainly thinking about champs like Yorrick or Nasus who just heal up your short trades very quickly. In these instances, do you just go full damage to try and one-shot them before they can regen off the waves?

I feel like I have tried many runes and builds, but still struggle. I am looking forward to what you all have to say! Thank you.