<prompt> Human: Like the title says, Im not sure what to put my money in. I can put more in if necessary but heres what Ive been looking at based on older threads on this subreddit: ITOT, IXUS, and FDEWX As I understood from the sidebar, at 21 I should roughly be at 20 bonds and 80 stocks, but Im not sure how these choices fit in to those as they are ETFs and Mutual Funds assuming Im doing this right so far. I dont even know if these are good choices. My question is: how and what exactly do I allocate my money to?Ive also been told by a friend to maybe not invest all of my money right away and instead do it in intermittently dollar cost averaging? Anyway, would appreciate any advice before I go investing blindly - thanks!Edit: I should add Id rather everything be done passively rather than actively managing my investments.  <response>: DO NOT INVEST IN BONDS AT 21. its a waste of time, as long as you dont need the money for the next few years which u dont cuz its an IRA put the money into a low expense index fund. SP500. retirement is so far off that u can stand to take the extra risk. just dont freak out when it drops 