New Roth IRA Investor Seeks Portfolio Guidance

A new investor is establishing a Roth IRA and seeking initial guidance, aiming to contribute the annual maximum of $7,000. This presents an opportunity to educate on fundamental long-term investing principles. Advice should focus on diversification, low-cost index funds or ETFs (e.g., total stock market, S&P 500, total international stock), and understanding risk tolerance. Starting early with consistent contributions in a tax-advantaged account like a Roth IRA is a powerful strategy for wealth accumulation.