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system
does this plan make any sense for early 20s investments?
user
the plan doesn't make sense.  don't invest your money. just keep it in your bank account. $5000 is not a lot, especially since you don't have a steady income stream. you only have $1000 to your name, you can't afford to gamble $4000. you will need it for things like food, books, rent, student loans, traveling, etc. if you don't get a job right after you graduate, you will be very happy to have some money in the bank. or what if you get a dream job, but you need a car?  or you get a job at a suit & tie business and need to get a new wardrobe? or your computer dies and you need a new one? you find a great apartment but need $2500 first, last & security? that money can help you out much more now when you're starting out, then it will when you're ready to retire in your 60's.
assistant