What I mean by Good ratios is investment ratios. So example end of the month have $1000 to invest put $500(%50) in Large Cap, $250(%25) in Small cap, and $250(%25) in International. Have more money and time before retirement could go 25 50 25 ratios
Passive investments in Large Cap, Small Cap, and International funds. Good ratios could be 50 25 25. Find ones with low Expense ratios like .03% a yr. Funds could be from places like Charles Swab, Vanguard, fidelity. Best to set these in a 401K or IRA first then after maxing for the year set the same funds or dif in regular accounts.