I'd like your opinion on something?

My boyfriend and I have been together for 4 months. We're both virgins, and we have both talked about making love together. We have brought up what we would do just incase something went wrong, protection, and all of that important stuff. We're both comfortable talking about it with eachother, and feel ready for it. Would you consider that immoral? We're not engaged/married. Thank-you! we're still young...Thats why i'm asking.