[creditcardfree]

What is the total amount you have to invest...percentage of your income?

I think I would keep retirement totals at 15-20% (divided amoung a maxed out roth and 401k pretax). Any extra I have to invest I would put in a stock mutual fund assuming my goal or need for the money was more than 5 years out, such as a house downpayment. If you have a goal or need that is less than 5 years...maybe that sports car...I would save in a money market account at the highest yield you can find...so that you don't risk losing the principal investment.

If you take a percentage of the 401k you are already investing and invest it post tax, your tax withholding will go up, since this money is now taxable and your net check will be lowered to adjust for that withholding. Just something to think about.

I have to say I'm very impressed with your savings thus far as a 23 year old. You are doing great! Good luck.