That's not something worth worrying about in your 20's. Just set up a recurring investment in index funds or similar and forget it exists until you're at least

That's not something worth worrying about in your 20's. Just set up a recurring investment in index funds or similar and forget it exists until you're at least in your 50's or later. Random catastrophes do happen to younger folks, of course, but those are something to deal with if and when they happen.