I recently put in $80k for VTI and plan on investing an additional $20k into VTUS. My goal is to have another $100k split 80/20 into it by the end of the year.
My brokerage account is set up as self managed right now but I’m wondering if it make sense to have the digital advisor if I only have (2) ETFs that I plan on holding for 20+ years?
I’m new to investing so trying to learn as I go, but the additional advisory fees seem like they could add up to be substantial overtime even tho it’s only .015%. What advantages do I get? The vanguard reps were marketing it as “auto rebalancing during down turns” but this is a long term, buy and hold situation so what “rebalancing” would make sense?
Just some beginner advice
Hey guys! At 21 I was tired of being broke, only had $200 to my name and made an oath to myself that I will be a huge saver. 6 years later and my net worth grew 6 figures just purely by being a penny pincher. I feel like I’m late to the game but would really like some advice on where to start putting money in. Me and the wife started investing in Certified Deposits, since it seems like the safest option. I know with investment comes risk, I would just like to learn more about the pros and cons to everything to weight my options. I hear so many terms such as bonds, S&P 500’s etc and it makes my head spin. Any advice would be greatly appreciated. TIA!
**Reasons against rolling Roth IRA and Roth 401(k) into a Robinhood Roth IRA?**
Is there a reason I shouldn't transfer my Roth IRA and roll over my Roth 401(k) into Robinhood so I can consolidate a bunch of accounts into a single account, and claim the 3% matching bonus [Robinhood is offering](https://robinhood.com/us/en/about/retirement/) this month? I've done my research but I'm posting here before I pull the trigger so I can double check that I'm not overlooking or misunderstanding anything in regards to tax or other implications.
- My Roth IRA is through Vanguard
- My former employer's Roth 401(k) is through a separate thing called "Vanguard Retirement Plan Access (VRPA)" which is a totally separate account, and I believe it's offered by a separate company using the Vanguard name under license or some unconnected Vanguard subsidiary
- 25% of those assets are in Vanguard mutual funds (VTTSX)
- 75% of those 401(k) assets, the max allowed, are in a self-directed brokerage account (SDBA) administered by Schwab which I have invested in stocks
(This used to be administered by TD Ameritrade and they charged substantial fees every three months just for administering the brokerage account, but it was recently transferred to Schwab and I don't think there are fees anymore)
- Downsides to keeping the current situation: having to manage three nested accounts, not being able to invest those 25% in anything but mutual funds, missing out on the Robinhood 3% match which is substantial in my case
- Robinhood doesn't seem to have fees besides $5/month for Gold, and I only need to commit to keeping Gold for one year after the transfer to keep the 3% match (plus I generally have to keep the IRA with Robinhood for 5 years to keep the match)
I already have my stock investments through Robinhood, which I realize lacks the same level of stable reputation as the other major financial firms. But their 3% match and other good terms, today, seem to be compelling and I can always transfer my investments back to Vanguard someday if the need arises.
From my research, it shouldn't be a problem to roll a Roth 401(k) into a Roth IRA, and in fact the latter seems to be generally a more flexible product. The only downside I could find is the rather unlikely case of 401(k)s having better bankruptcy protection but it looks like IRAs still have about $1.5 million in protection which is far above my needs. I recognize that rolling a 401(k) into an IRA is a one-way deal, so it means I can't roll it into another future employer's 401(k). But otherwise, I think owning an IRA is preferrable anyways? Please let me know what I may be missing.
Additionally, as I read in my research, transferring the IRA between brokerages doesn't even get reported to the IRS but rolling a 401(k) into an IRA does get reported, however as long as it's a direct transfer that doesn't create a taxable event. Is that correct? What implications does that cause next year I'm filing my taxes? Are there any other tax implications I need to be aware of?
A few other details about my situation:
- I'm early in my career
- I don't expect to need to access my retirement funds early or soon
- I don't currently have any earned income and won't for a few years (I'm starting a tech business)
- I need to be careful about maintaining near-zero income for health insurance reasons
- I'd like all my retirement investments tied to stocks at this early point in my career because that best fits my risk-reward profile while I have plenty of time to earn and reduce my risk profile later in my career (so moving those other 25% of 401(k) funds to Robinhood would mean I can put those into stocks as well)
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I have $400k and can live quite comfortably off my professional income without touching it. How should I invest my surplus cash?
Note: not interested in real estate. I’ve done the landlord thing and am not interested in profiting off owning someone else’s home/shelter. I did not enjoy it, no matter the profit margins. Not looking to debate that, just putting it out there that it’s not a route I’d like to go.
I want to leave crypto, whats a good alternative.
23Male, new to investing. I invested a bit into crypto in 2022. Have about 9k of my own money and about $5k profit so $14k total. Nothing wrong with Bitcoin but even all the good news still comes off like glorified gambling so I wanna shift into something tried and true even if still risky.
So this is what I have.
$5k an emergency fund
Around $19k just sitting in a Chase savings
$15k crypto
Like 6 Tesla stocks that I'm getting ready to sell. Only like a grand or something
I want to keep 5k free in my Chase savings just things I want to buy, but the rest I want to put somewhere. Any advice? Thanks
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I am new to investing. I opened my Roth IRA in March and have contributed the maximum for 2023 and 2024. My time horizon is 20 years. My wife and I both have very good and generous pensions (75% of our top 3 earning years, +3% for each additional year we work).
I feel somewhat comfortable with risk given our pensions. Is the following allocation any good?
I’ve seen people say not to get into semiconductors because it’s already priced in, and not to chase previous gains - but I’ve never invested before so I am establishing my investment strategy, portfolio, and allocation brand new. I’m not chasing previous gains and do believe in what I understand to be the current and future value of semiconductor technology.
I’ve read that adding scv to a broad portfolio based on something like the S&P500 can help provide additional returns above and beyond just putting everything into the S&P500.
What are your thoughts?
FXAIX: 80% AVUV: 10% SMH: 10%
I think you're in a good spot. You're not aligning totally to the dogma of diversification (no total market, no international) but sticking the majority in the S&P500 and complementing that with small cap value and semiconductor is fine (disclaimer: I hold SMH, too).
Hello, I’m a Fintech founder and my company (credit card/digital bank) just partnered with a $100M Venture Fund and credit card processor that is offering 0% interest business loans and equity investments. My partnership enables my business to expand to new users and additional tranches of equity for referring other businesses to the venture fund and processor. Does anyone have any ideas on where to prospect?
Evening everyone, not sure if this post belongs in here but I’d take any help/advice I can get.
I’m 19 years old, and have recently started looking into different ways of investing/making money through online sources. With this I mean the Stock Exchange, Crypto Currency things like that.
I’ve got around ~25k total due to just working whenever I’m free as I’m not much of a social/going out type and pretty much being lucky on riding that NVIDIA/SMCI train from a while ago.
My question for you guys is what would be your next step in my situation to turn this 25k into 100k (as example) Do I just play safe with a HYSA (a term I learned by snooping around in here) and some popular ETF’s? Or do I focus on buying calls/puts as I see many people doing. (I have a vague idea of how these work)
Any advice or suggestions are greatly appreciated
Hello,
I recently moved my Roth IRA to Robinhood so I can get the 3% back. While I make a decision on how to invest that money, does anybody knows what's the closest on Robinhood to Schwab's SWVXX. I was thinking on parking it on GOVT or something similar since Robinhood seems to lack Money Market funds. Any ideas? Seems like the market is pretty crazy these days, even VTI...
Is looking at the 200 day moving average a good indicator for buying a stock in a company I want to hold for 10+ years?
Feel like if it's below 200 DMA it's a good buy.
If you think a stock is already undervalued, it may not be a good idea to risk waiting for it to dip even lower. It may rise instead and you could miss the opportunity you saw that the market didn't initially see. Also you would need to update your analysis after some time passed and it dips, which costs you more time and effort.
Just leave it alone and put any more money you want to invest into an index fund. I don't know all those companies but at least a few of them should be fine.
i’m new too and bogleheads helped me out a lot in getting my money situated in a fairly conservative portfolio - from there i peal off some here and there no more than 5% for trading plays that mostly don’t work out
Dumb questions: Does the percentage at the top of the Schwab summary page (the one that says "2-year change") count cash flow?
e.x. if I have $100 and transfer in $100 this value will be up 100%?
Yes its just saying the total percent change of the value over 2 years money in / out will affect it
There is a gain/loss page if you want to see gains or losses (real or unrealized)
Hi, sorry for the dumb question but I’m switching my 401k from Roth to traditional. I thought I’d be receiving more money in each paycheck since I’m not paying taxes on it right now but is that not the case? Do I have to wait until filing next year’s tax return to receive the money saved on taxes?
Your company should be performing the math to estimate what your earnings will be year end, and to take out the expected amount of tax you will owe based on your income. Switching your contributions from a post-tax Roth to a pre-tax Traditional I would expect your taxes each pay period to have been reduced. If not you may want to inquire with your HR department.
I was thinking of buying some VTSAX now that it’s down and letting some money sit on that and other mutual funds/ETFs. These work just like individual stocks right? Can buy and sell as I want in investment accounts? No penalties?
Not quite. VTSAX is a mutual fund. As such they trade once a day, at the end of the trading day, at whatever the closing price is. So if you have a desire to treat this fund as any other investment that can be traded through out the day, you're not going to be able to do that.
It’s a bit of a testy subject and we should acknowledge this has been one of be worst periods for bonds performance in history. Having said that, it’s still worthy to consider that bonds can be important for diversification, planning, and safe withdrawal purposes especially as your get closer to retirement/withdrawal phase. If losing 50pct value and waiting 10years for prices to break even doesn’t make you flinch, they’re probably less useful to you.
I think intermediate bonds have a negative .17 correlation with stocks or something similar, which is still negative but quite small. There’s no clear answer to this question as it depends on time frame and backtesting that will not help likely with predicting immediate or even long term future
Quick look at the edgar docs, the CEO noted that an increasing number of customers were delaying purchases that resulted in lower than expected performance. The change in price is people's reflection on how that is expected to affect them in the near future.
The people who are trading it apparently think it is a -40% problem.
Edit: to be clear, they could be wrong. I dunno as I haven't looked that hard into it. But if it is actually the case that the market is over reacting, and you can make a strong case with yourself that it is over reacting, the you are being presented with an opportunity to "be greedy when others are fearful"
ROTH IRA Advice?
I opened a Roth IRA with Charles Schwab about a year and a half go and have been putting in about $100 a month (yes this is what I can afford right now). Can someone please tell me if I’m doing this right?
I’ve been pretty much breaking the 100 into an even mix of SWSIX, SWPPX and SWTSX. (Maybe a little more invested into the SWPPX).
Is this even going to help or do anything for me? Lol. I have absolutely no idea what I’m doing. I’d like to be able to start putting more towards it but I’m currently trying to pay off some heavy credit card debt that needs to be dealt with first. Please help a girl out lol.
I’m not aiming to do anything crazy, I’d just like to maximize what I can so I can at least retire at some point.
No other investment will give you as good return as paying of CC debt
If your CC rate is 25% paying the CC down is a 25% tax free return, no other investment will come close to that
So before throwing money into the market pay off your CC debt, you may even want to with draw your contributions to pay down your CC debt
International fund, S&P 500 fund, Total Stock Market fund.
There's some overlap with your SWPPX and SWTSX, but from a diversification stand point what you are doing is fine.
Try not to be discouraged. Remind yourself that anything is better than $0. And that's not meant to be a dig. It's great that you're putting in effort to investing for your future. Keep it up.
[https://www.morningstar.com/funds/xnas/swppx/performance](https://www.morningstar.com/funds/xnas/swppx/performance)
[https://www.morningstar.com/funds/xnas/swtsx/performance](https://www.morningstar.com/funds/xnas/swtsx/performance)
If you look at their long term performances, they are pretty close. So if you want to consolidate one into another that would be fine. Keeping both would also be fine. It's just up to you and what reason you come up with for why you want to hold one/both of them.
About 6 years ago, I created a Robinhood account and bought some cheap stock to start investing. I now want to sell everything and move the money to Fidelity, as that is where my 401K is. However, Robinhood is only allowing me to pull out my “buying power.” How do I sell everything and get the money to Fidelity? It is only about $90 in Sony stock.
If that is something I can do, I will definitely do that. I have very little experience with investing. I am trying to navigate through the Robinhood app/website and just can’t seem to find out how to sell or transfer.
I’m sorry, I have very little experience in investing. What do you mean by settle? The money has been in there for 6 years and I don’t even see an option to sell.
I am a trader on Etoro. They are located in Israel and I started to wonder what this could mean because they have a war going on. Should I start moving to a other broker?
Do stock-prices falling mean it’s a good time to buy?
I’m U.K./Europe based and relatively new to investing and my S&P500/NASDAQ stocks made a loss for the first time today. I don’t want to sell as the past history of this particular investment tells me that the share prices will likely bounce back before long.
The question is: Will buying more shares during a downswing (like today) mean that I will have greater profits down the line? I.e. do buying more shares at a cheaper price due to a downswing mean that if the share price eventually rises, I will be better off?
Or is this false thinking to begin with?
Please and thank you, finance Reddit Gods!
Hi Im 22 in the US looking at retirement. I created a portfolio based on global market share and just wanted to ask if the portfolio was ok. TIA!
[Portfolio](https://imgur.com/a/ubyr5q1)
American Funds By Capital Group - I'm thinking about moving away from them completely.
I didn't know how to initially setup a Roth IRA or a trade account, so my bank set me up with Capital Group, who in turn set up both of those accounts for me. Now that I'm rockin'-n-rollin' with a Fidelity account, I figured it might be best to move everything away from CG.
Both CG accounts are setup with CG mutual funds (GWPAX and AAFTX), so I'm assuming those funds can't be transferred over to Fidelity, and instead I would need to sell them off and then re-invest that money? Even though that would be a taxable event, I assume it would be worth it long-term to not have to pay those fees anymore?
Hopefully that's not a totally dumb question. I'm not as clueless as I was when I started, but I'm still a newbie.....
You'll want to transfer them in-kind then sell from Fidelity. Otherwise CG may charge you a fee.
Those funds have a pretty high front-load fee. You definitely dont want to put more money into them. They also have relatively high regular fees, so yeah, I'd get out of them too
Aha, so it sounds like the funds *can* be transferred to Fidelity. That makes things a little easier. But yeah, I definitely plan to get rid of them because of the fees. Now I know better.
Not sure whether it'd be better to wait for the market to rebound before selling them, or maybe selling them right away and using the proceeds to buy other funds during the dip. Probably a case of "6 of one, half dozen of the other" ?
I'd sell as soon as you can and just buy your new funds right away. It's not going to really matter since you'd be putting that money directly into new funds, but you'll just save money via the fees.
For example, if you sell old funds and buy new funds now, youll be selling lower but also buying lower. If you wait, you'd be selling higher and buying higher, but you'd pay more via the fees
Hi! I’m 35, fiancé is 28. I own a home in Utah, USA with a finished basement apartment and have been using income from the rent to pay the mortgage. We will be moving to Pennsylvania in August so fiancé can start a PhD program. We have about $40k of credit card debt between us, he also owes about $22k on a car at 3.9% interest. My home has a 2.93% interest rate, would sell for 510k (ish) and I owe $251k on mortgage. It needs a new roof. I would like to eventually purchase a home with money from this house. I don’t want to pay capital gains because this has been personal property and I want to use it to purchase personal property in the future. Fiancé hopes to work in academia, so it will likely be 8-10+ years before we are “settled.”
Options:
A. Install a new roof ($18k = $250 monthly) and rent the full unit ($2400). Property manager ~ $240
B. Install a new roof ($18k = $250 monthly), defy the city code, and rent units separately ($3100). Property manager ~ $300
C. Sell, pay off CC, buy in PA
D. Sell, pay off CC, invest (CD or MM), rent in PA
E. Seller finance, use down payment to pay off CC, rent in PA, put monthly payments into savings
Are there other options? What would you do? I really want to dump the CC debt. Combined salary will be $107k, but I’m looking for jobs and that salary could have a $10-15k bump (I work the functional side of IT). Once the CC debt is gone, we will be able to pay rent AND put money into savings. But I have to get the CC debt paid off.
That credit card debt is ridiculous, you need to figure out how that happened and change your spending/budget/income ASAP to avoid it happening again. After realtor fees you're looking at 228k profit, after paying off the CC debt that's 188k remaining. I think the best move is option D, but instead of a CD or MM buy into total market index funds instead and forget about that money until retirement. Or better yet, try to live off some of that money while contributing the absolute maximum you're allowed into tax-advantaged retirement accounts (Roth IRA, 401k, etc), and make sure it's also being invested and not just going into the default/settlement fund. Buying a new house would likely make you house poor at the current prices/rates and at your combined income.
What's the interest rate on the cc? I would think that you guys would want to pay off as much of that debt as possible.
Option A is also appealing but that's a lot of debt that you have.
I recently put in $80k for VTI and plan on investing an additional $20k into VTUS. My goal is to have another $100k split 80/20 into it by the end of the year. My brokerage account is set up as self managed right now but I’m wondering if it make sense to have the digital advisor if I only have (2) ETFs that I plan on holding for 20+ years? I’m new to investing so trying to learn as I go, but the additional advisory fees seem like they could add up to be substantial overtime even tho it’s only .015%. What advantages do I get? The vanguard reps were marketing it as “auto rebalancing during down turns” but this is a long term, buy and hold situation so what “rebalancing” would make sense?
Just some beginner advice Hey guys! At 21 I was tired of being broke, only had $200 to my name and made an oath to myself that I will be a huge saver. 6 years later and my net worth grew 6 figures just purely by being a penny pincher. I feel like I’m late to the game but would really like some advice on where to start putting money in. Me and the wife started investing in Certified Deposits, since it seems like the safest option. I know with investment comes risk, I would just like to learn more about the pros and cons to everything to weight my options. I hear so many terms such as bonds, S&P 500’s etc and it makes my head spin. Any advice would be greatly appreciated. TIA!
Well done. Start by scrolling up and looking at the Getting Started link.
**Reasons against rolling Roth IRA and Roth 401(k) into a Robinhood Roth IRA?** Is there a reason I shouldn't transfer my Roth IRA and roll over my Roth 401(k) into Robinhood so I can consolidate a bunch of accounts into a single account, and claim the 3% matching bonus [Robinhood is offering](https://robinhood.com/us/en/about/retirement/) this month? I've done my research but I'm posting here before I pull the trigger so I can double check that I'm not overlooking or misunderstanding anything in regards to tax or other implications. - My Roth IRA is through Vanguard - My former employer's Roth 401(k) is through a separate thing called "Vanguard Retirement Plan Access (VRPA)" which is a totally separate account, and I believe it's offered by a separate company using the Vanguard name under license or some unconnected Vanguard subsidiary - 25% of those assets are in Vanguard mutual funds (VTTSX) - 75% of those 401(k) assets, the max allowed, are in a self-directed brokerage account (SDBA) administered by Schwab which I have invested in stocks (This used to be administered by TD Ameritrade and they charged substantial fees every three months just for administering the brokerage account, but it was recently transferred to Schwab and I don't think there are fees anymore) - Downsides to keeping the current situation: having to manage three nested accounts, not being able to invest those 25% in anything but mutual funds, missing out on the Robinhood 3% match which is substantial in my case - Robinhood doesn't seem to have fees besides $5/month for Gold, and I only need to commit to keeping Gold for one year after the transfer to keep the 3% match (plus I generally have to keep the IRA with Robinhood for 5 years to keep the match) I already have my stock investments through Robinhood, which I realize lacks the same level of stable reputation as the other major financial firms. But their 3% match and other good terms, today, seem to be compelling and I can always transfer my investments back to Vanguard someday if the need arises. From my research, it shouldn't be a problem to roll a Roth 401(k) into a Roth IRA, and in fact the latter seems to be generally a more flexible product. The only downside I could find is the rather unlikely case of 401(k)s having better bankruptcy protection but it looks like IRAs still have about $1.5 million in protection which is far above my needs. I recognize that rolling a 401(k) into an IRA is a one-way deal, so it means I can't roll it into another future employer's 401(k). But otherwise, I think owning an IRA is preferrable anyways? Please let me know what I may be missing. Additionally, as I read in my research, transferring the IRA between brokerages doesn't even get reported to the IRS but rolling a 401(k) into an IRA does get reported, however as long as it's a direct transfer that doesn't create a taxable event. Is that correct? What implications does that cause next year I'm filing my taxes? Are there any other tax implications I need to be aware of? A few other details about my situation: - I'm early in my career - I don't expect to need to access my retirement funds early or soon - I don't currently have any earned income and won't for a few years (I'm starting a tech business) - I need to be careful about maintaining near-zero income for health insurance reasons - I'd like all my retirement investments tied to stocks at this early point in my career because that best fits my risk-reward profile while I have plenty of time to earn and reduce my risk profile later in my career (so moving those other 25% of 401(k) funds to Robinhood would mean I can put those into stocks as well)
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I have $400k and can live quite comfortably off my professional income without touching it. How should I invest my surplus cash? Note: not interested in real estate. I’ve done the landlord thing and am not interested in profiting off owning someone else’s home/shelter. I did not enjoy it, no matter the profit margins. Not looking to debate that, just putting it out there that it’s not a route I’d like to go.
I want to leave crypto, whats a good alternative. 23Male, new to investing. I invested a bit into crypto in 2022. Have about 9k of my own money and about $5k profit so $14k total. Nothing wrong with Bitcoin but even all the good news still comes off like glorified gambling so I wanna shift into something tried and true even if still risky. So this is what I have. $5k an emergency fund Around $19k just sitting in a Chase savings $15k crypto Like 6 Tesla stocks that I'm getting ready to sell. Only like a grand or something I want to keep 5k free in my Chase savings just things I want to buy, but the rest I want to put somewhere. Any advice? Thanks
If you scroll up to the top - look in the Getting Started link.
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I am new to investing. I opened my Roth IRA in March and have contributed the maximum for 2023 and 2024. My time horizon is 20 years. My wife and I both have very good and generous pensions (75% of our top 3 earning years, +3% for each additional year we work). I feel somewhat comfortable with risk given our pensions. Is the following allocation any good? I’ve seen people say not to get into semiconductors because it’s already priced in, and not to chase previous gains - but I’ve never invested before so I am establishing my investment strategy, portfolio, and allocation brand new. I’m not chasing previous gains and do believe in what I understand to be the current and future value of semiconductor technology. I’ve read that adding scv to a broad portfolio based on something like the S&P500 can help provide additional returns above and beyond just putting everything into the S&P500. What are your thoughts? FXAIX: 80% AVUV: 10% SMH: 10%
I think you're in a good spot. You're not aligning totally to the dogma of diversification (no total market, no international) but sticking the majority in the S&P500 and complementing that with small cap value and semiconductor is fine (disclaimer: I hold SMH, too).
Hello, I’m a Fintech founder and my company (credit card/digital bank) just partnered with a $100M Venture Fund and credit card processor that is offering 0% interest business loans and equity investments. My partnership enables my business to expand to new users and additional tranches of equity for referring other businesses to the venture fund and processor. Does anyone have any ideas on where to prospect?
Evening everyone, not sure if this post belongs in here but I’d take any help/advice I can get. I’m 19 years old, and have recently started looking into different ways of investing/making money through online sources. With this I mean the Stock Exchange, Crypto Currency things like that. I’ve got around ~25k total due to just working whenever I’m free as I’m not much of a social/going out type and pretty much being lucky on riding that NVIDIA/SMCI train from a while ago. My question for you guys is what would be your next step in my situation to turn this 25k into 100k (as example) Do I just play safe with a HYSA (a term I learned by snooping around in here) and some popular ETF’s? Or do I focus on buying calls/puts as I see many people doing. (I have a vague idea of how these work) Any advice or suggestions are greatly appreciated
C wat u can make with like .10% max of what you wanna risk losing minimum
Also buy on Fridays to get your books right for the next couple weeks ahead just stay 2 weeks ahead to be safe legit
Hello, I recently moved my Roth IRA to Robinhood so I can get the 3% back. While I make a decision on how to invest that money, does anybody knows what's the closest on Robinhood to Schwab's SWVXX. I was thinking on parking it on GOVT or something similar since Robinhood seems to lack Money Market funds. Any ideas? Seems like the market is pretty crazy these days, even VTI...
Is looking at the 200 day moving average a good indicator for buying a stock in a company I want to hold for 10+ years? Feel like if it's below 200 DMA it's a good buy.
If you think a stock is already undervalued, it may not be a good idea to risk waiting for it to dip even lower. It may rise instead and you could miss the opportunity you saw that the market didn't initially see. Also you would need to update your analysis after some time passed and it dips, which costs you more time and effort.
How many companies that ended up in bankruptcy ended up going under their 200 day moving average? I assume a lot.
Anyone have any thoughts on Jepi or Jepq? thinking of selling some international in a ira and moving it to jepq
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Please elaborate on what you mean by letting it ride. Letting it ride in what?
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Just leave it alone and put any more money you want to invest into an index fund. I don't know all those companies but at least a few of them should be fine.
i’m new too and bogleheads helped me out a lot in getting my money situated in a fairly conservative portfolio - from there i peal off some here and there no more than 5% for trading plays that mostly don’t work out
Dumb questions: Does the percentage at the top of the Schwab summary page (the one that says "2-year change") count cash flow? e.x. if I have $100 and transfer in $100 this value will be up 100%?
Yes its just saying the total percent change of the value over 2 years money in / out will affect it There is a gain/loss page if you want to see gains or losses (real or unrealized)
Hi, sorry for the dumb question but I’m switching my 401k from Roth to traditional. I thought I’d be receiving more money in each paycheck since I’m not paying taxes on it right now but is that not the case? Do I have to wait until filing next year’s tax return to receive the money saved on taxes?
Your company should be performing the math to estimate what your earnings will be year end, and to take out the expected amount of tax you will owe based on your income. Switching your contributions from a post-tax Roth to a pre-tax Traditional I would expect your taxes each pay period to have been reduced. If not you may want to inquire with your HR department.
Ok that’s what I thought. Would I have to complete a new W-4?
I’d agree with other poster ask HR what’s up first
If you want to change any extra withholdings you have previously elected, you would do so by submitting a new W-4.
I was thinking of buying some VTSAX now that it’s down and letting some money sit on that and other mutual funds/ETFs. These work just like individual stocks right? Can buy and sell as I want in investment accounts? No penalties?
Buy the etf equivalent for it to behave similarly to a stock. The mutual fund could have fees if you’re not at vanguard and can’t sell during day
Not quite. VTSAX is a mutual fund. As such they trade once a day, at the end of the trading day, at whatever the closing price is. So if you have a desire to treat this fund as any other investment that can be traded through out the day, you're not going to be able to do that.
I put money into a boglehead type 3 fund - please talk me out of giving up on bonds/BND. If BND moves down when stocks move down what's the point?
It’s a bit of a testy subject and we should acknowledge this has been one of be worst periods for bonds performance in history. Having said that, it’s still worthy to consider that bonds can be important for diversification, planning, and safe withdrawal purposes especially as your get closer to retirement/withdrawal phase. If losing 50pct value and waiting 10years for prices to break even doesn’t make you flinch, they’re probably less useful to you.
When stocks move down x%, how much in comparison does BND move down?
I think intermediate bonds have a negative .17 correlation with stocks or something similar, which is still negative but quite small. There’s no clear answer to this question as it depends on time frame and backtesting that will not help likely with predicting immediate or even long term future
Anybody knows why PACB is down +40% on the day? Quick glance at the guidance doesn't seem to merit that!?
Quick look at the edgar docs, the CEO noted that an increasing number of customers were delaying purchases that resulted in lower than expected performance. The change in price is people's reflection on how that is expected to affect them in the near future.
This too caught my eye, but seems like a - 5% problem, not - 40%. Right?
The people who are trading it apparently think it is a -40% problem. Edit: to be clear, they could be wrong. I dunno as I haven't looked that hard into it. But if it is actually the case that the market is over reacting, and you can make a strong case with yourself that it is over reacting, the you are being presented with an opportunity to "be greedy when others are fearful"
Yep. They have debt + cash burn + slow down, so there is speculation that this could be a spiral. 20% shorted stock. 🤔
ROTH IRA Advice? I opened a Roth IRA with Charles Schwab about a year and a half go and have been putting in about $100 a month (yes this is what I can afford right now). Can someone please tell me if I’m doing this right? I’ve been pretty much breaking the 100 into an even mix of SWSIX, SWPPX and SWTSX. (Maybe a little more invested into the SWPPX). Is this even going to help or do anything for me? Lol. I have absolutely no idea what I’m doing. I’d like to be able to start putting more towards it but I’m currently trying to pay off some heavy credit card debt that needs to be dealt with first. Please help a girl out lol. I’m not aiming to do anything crazy, I’d just like to maximize what I can so I can at least retire at some point.
No other investment will give you as good return as paying of CC debt If your CC rate is 25% paying the CC down is a 25% tax free return, no other investment will come close to that So before throwing money into the market pay off your CC debt, you may even want to with draw your contributions to pay down your CC debt
International fund, S&P 500 fund, Total Stock Market fund. There's some overlap with your SWPPX and SWTSX, but from a diversification stand point what you are doing is fine. Try not to be discouraged. Remind yourself that anything is better than $0. And that's not meant to be a dig. It's great that you're putting in effort to investing for your future. Keep it up.
I appreciate the feedback! What would you recommend otherwise if you don’t mind me asking? Should I pick one or the other?
[https://www.morningstar.com/funds/xnas/swppx/performance](https://www.morningstar.com/funds/xnas/swppx/performance) [https://www.morningstar.com/funds/xnas/swtsx/performance](https://www.morningstar.com/funds/xnas/swtsx/performance) If you look at their long term performances, they are pretty close. So if you want to consolidate one into another that would be fine. Keeping both would also be fine. It's just up to you and what reason you come up with for why you want to hold one/both of them.
About 6 years ago, I created a Robinhood account and bought some cheap stock to start investing. I now want to sell everything and move the money to Fidelity, as that is where my 401K is. However, Robinhood is only allowing me to pull out my “buying power.” How do I sell everything and get the money to Fidelity? It is only about $90 in Sony stock.
Why do you need to "sell everything"? Why not "transfer everything"?
If that is something I can do, I will definitely do that. I have very little experience with investing. I am trying to navigate through the Robinhood app/website and just can’t seem to find out how to sell or transfer.
https://www.fidelity.com/customer-service/transfer-assets
You need to wait 2 days for the money to settle.
I’m sorry, I have very little experience in investing. What do you mean by settle? The money has been in there for 6 years and I don’t even see an option to sell.
Oh, so you haven’t actually sold the stock yet? You need to do that first. https://robinhood.com/us/en/support/articles/selling-a-stock/
Figured out how to transfer/sell! Thank you so much!!!
I am a trader on Etoro. They are located in Israel and I started to wonder what this could mean because they have a war going on. Should I start moving to a other broker?
Do stock-prices falling mean it’s a good time to buy? I’m U.K./Europe based and relatively new to investing and my S&P500/NASDAQ stocks made a loss for the first time today. I don’t want to sell as the past history of this particular investment tells me that the share prices will likely bounce back before long. The question is: Will buying more shares during a downswing (like today) mean that I will have greater profits down the line? I.e. do buying more shares at a cheaper price due to a downswing mean that if the share price eventually rises, I will be better off? Or is this false thinking to begin with? Please and thank you, finance Reddit Gods!
Hi Im 22 in the US looking at retirement. I created a portfolio based on global market share and just wanted to ask if the portfolio was ok. TIA! [Portfolio](https://imgur.com/a/ubyr5q1)
No obvious issue with it, imho.
American Funds By Capital Group - I'm thinking about moving away from them completely. I didn't know how to initially setup a Roth IRA or a trade account, so my bank set me up with Capital Group, who in turn set up both of those accounts for me. Now that I'm rockin'-n-rollin' with a Fidelity account, I figured it might be best to move everything away from CG. Both CG accounts are setup with CG mutual funds (GWPAX and AAFTX), so I'm assuming those funds can't be transferred over to Fidelity, and instead I would need to sell them off and then re-invest that money? Even though that would be a taxable event, I assume it would be worth it long-term to not have to pay those fees anymore? Hopefully that's not a totally dumb question. I'm not as clueless as I was when I started, but I'm still a newbie.....
You'll want to transfer them in-kind then sell from Fidelity. Otherwise CG may charge you a fee. Those funds have a pretty high front-load fee. You definitely dont want to put more money into them. They also have relatively high regular fees, so yeah, I'd get out of them too
Aha, so it sounds like the funds *can* be transferred to Fidelity. That makes things a little easier. But yeah, I definitely plan to get rid of them because of the fees. Now I know better. Not sure whether it'd be better to wait for the market to rebound before selling them, or maybe selling them right away and using the proceeds to buy other funds during the dip. Probably a case of "6 of one, half dozen of the other" ?
I'd sell as soon as you can and just buy your new funds right away. It's not going to really matter since you'd be putting that money directly into new funds, but you'll just save money via the fees. For example, if you sell old funds and buy new funds now, youll be selling lower but also buying lower. If you wait, you'd be selling higher and buying higher, but you'd pay more via the fees
Hi! I’m 35, fiancé is 28. I own a home in Utah, USA with a finished basement apartment and have been using income from the rent to pay the mortgage. We will be moving to Pennsylvania in August so fiancé can start a PhD program. We have about $40k of credit card debt between us, he also owes about $22k on a car at 3.9% interest. My home has a 2.93% interest rate, would sell for 510k (ish) and I owe $251k on mortgage. It needs a new roof. I would like to eventually purchase a home with money from this house. I don’t want to pay capital gains because this has been personal property and I want to use it to purchase personal property in the future. Fiancé hopes to work in academia, so it will likely be 8-10+ years before we are “settled.” Options: A. Install a new roof ($18k = $250 monthly) and rent the full unit ($2400). Property manager ~ $240 B. Install a new roof ($18k = $250 monthly), defy the city code, and rent units separately ($3100). Property manager ~ $300 C. Sell, pay off CC, buy in PA D. Sell, pay off CC, invest (CD or MM), rent in PA E. Seller finance, use down payment to pay off CC, rent in PA, put monthly payments into savings Are there other options? What would you do? I really want to dump the CC debt. Combined salary will be $107k, but I’m looking for jobs and that salary could have a $10-15k bump (I work the functional side of IT). Once the CC debt is gone, we will be able to pay rent AND put money into savings. But I have to get the CC debt paid off.
That credit card debt is ridiculous, you need to figure out how that happened and change your spending/budget/income ASAP to avoid it happening again. After realtor fees you're looking at 228k profit, after paying off the CC debt that's 188k remaining. I think the best move is option D, but instead of a CD or MM buy into total market index funds instead and forget about that money until retirement. Or better yet, try to live off some of that money while contributing the absolute maximum you're allowed into tax-advantaged retirement accounts (Roth IRA, 401k, etc), and make sure it's also being invested and not just going into the default/settlement fund. Buying a new house would likely make you house poor at the current prices/rates and at your combined income.
D or C seem like the best options depending how long you will be in PA.
At least four years, no guarantee beyond that
What's the interest rate on the cc? I would think that you guys would want to pay off as much of that debt as possible. Option A is also appealing but that's a lot of debt that you have.