I have a 401k, Rollover IRA and Roth IRA. I don't max them because for a while, my returns were lower than my student loan interest rates and I felt it be a bet

I have a 401k, Rollover IRA and Roth IRA. I don't max them because for a while, my returns were lower than my student loan interest rates and I felt it be a better use of my money at the time. Until my loans are paid off, I will be sticking with just those 3 retirement accounts. I pick my own ETFs because I'm super type A, but it's based on crowd appeal. So if I find 5 experts recommend an ETF, and it has a low management fee, I'm likely to purchase it. I stick strickly to ETFs (but in all asset classes, such as bonds) because the rate of return generally exceeds CDs and Bonds, and I don't need the money at the moment. Plus, Bonds and CDs pay out so low that I'd rather just have my money in a high interest (hah) savings account. What else do YOU have in mind? Feel free to find me on any of the networks listed in my profile if you'd like more feedback :)