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Are you guys putting all the money in 500 index funds or diversifying it by having mid/small cap, speciality and bonds. Looking at stocks growth this year, are you changing your strategy and moving out of equity and become more conservative. This year it's been just <3% return for me.
Aside from emergency fund and dry powder cash, mostly all VTSAX. The top US companies are all global and diversified and of all sizes. If you are on a 30+ year horizon and getting out of stocks / going more conservative.. then IMO you dont know what you're doing and should talk to an advisor at VG or Fidelity or whomever your 401k provider is. Market goes down, I buy more. Look at VTSAX returns YTD... lot better than 3%
How much percentage your dry powder /cash reserve ?
Good question. probably too much. Spitballing prob around 10-15% in Marcus HYSA / savings, which is 6-12 mos emergency fund (single earner family, need more piece of mind) + house/remodel fund + dry powder for either an RE buy (investment condo in vacation area) or dry powder for VTSAX buy when market drops. The %'s don't count total NW as I dont really add my RE in there, since not liquid. Dry powder drops to single digit % of NW if you count everything. So I guess I kinda counteract the aggressive all VTSAX approach with more dry powder than most.
Vanguard target retirement fund, one year return 3.3%