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Vanguard Retirement
- Vanguard target fund - retirement What target funds do people use for retirement 401k saving? Do you really use ideal retirement year? Trying to understand if better right now to use safer fund since economy cannot stay this good forever.
- VTSAX or vanguard target retirement fund I put my money into VFFVX - a 2055 Target date retirement fund. Noticed a lot of people saying they just do VTSAX - am I missing out on returns being in VFFVX? Do you not put anything in bonds/safer investments and why? I'm 28 btw, TC 250K
- Are vanguard target retirement funds ok? Assume I’m mid 50s and have about 100k in savings (total) and don’t expect to make much more money. I do have an almost paid off house.
- Vanguard target date retirement fund vs select your own Vanguard target date retirement fund has an expense ratio of 0.05 and vtiax total international stocks had an expense ratio of 0.11. Isn’t the latter expensive? Target date fun d includes this so why do people buy individual funds rather than target date? Aside from being able to control the breakdo
- 401k plan Vanguard target retirement 2050 trust or T. Rowe price retirement 2050 fund?
- REITs via ROTH IRA I have no interest in purchasing a house or being a landlord. Are REITs like VNQ (Vanguard) or SCHH (Schwab) any good for real estate exposure in my portfolio? I’ll be purchasing through retirement account like ROTH IRA to evade paying income taxes on dividend income. Thanks in advance. 150 #pers
- If you could change anything about my portfolio, what would it be? TC: $185,000 Base: $150,000 Bonus: $35,000 Age: 27 Yoe: 4 Relationship status: single No obligations to anyone Living with parents until COVID ends Vanguard Roth IRA$35,514.80 Vanguard Brokerage$133,899.08 HealthEquity HSA$10,118.85 Principal 401k$66,931.61 Robinhood$12,973.14 Amex Savings$55,192.1
- Investment 101 I'd like to get some opinions on my current investing strategy. I want to play low risk and grow slowly but steadily. That said, here is what I have: Fidelity - 401k - maxed out Vanguard - VFFVX (Vanguard Target Retirement 2055 Fund) - $1.000 every month Vanguard - VTI - (VANGUARD TOTAL STOCK MARK
- 401k investing with Charles Schwab Should I invest my 401k money in stocks or is now a bad time? Doesn't seem like there's to many great options to choose from. Already lost 50$. This is what I'm thinking of investing in now: PRIMECAP Odyseey Growth 25% Vanguard International Growth Inv 25% Vanguard Small Cap
- vote 401k rollover from previous employer Switched jobs and now time to rollover 401k plans .. previous employer used empower but was switching to with vanguard or fidelity... Plan to leave primarily in target retirement funds.. TOC: $180k
- Best Vanguard index funds I opened a Vanguard account recently and just invested in a standard year X retirement fund without investigating other options. What are the highest return, lowest cost funds in Vanguard? I can investigate this myself but was hoping to save some time.
- Empower vs Vanguard 401k I switched company a year ago. I had currently two 401k accounts for 2 different companies (current company uses vanguard where as previous uses empower retirement). Should I move my empower account (previous employer) to vanguard (current employer) 401k? What are advantages and disadvantages? #40
- Conservative Investors, what do you think of this portfolio? Goal: - 3% average annual total return until retirement in 2030 - Little risk in market downturn Idea: - 80% Total Bond - 20% Dividend Aristocrats Stocks Schwab: - SWAGX 80% of portfolio 0.06% expense ratio - SCHD 20% of portfolio 0.06% expense ratio Vanguard: - VBTIX 80% 0.025%
- evaluate my cash holdings $40k retirement $41k vanguard portfolio $100k CD earning 2.10% $100k uber stocks $10k checking account i feel im a bit over exposed in cash holdings and uber stock. i am in a non eng role at Uber
- 401K Allocations For folks in mid-30s, how does your 401K allocation look like? As a newbie, mine is set to Vanguard target retirement fund; which I feel not optimal. I was particularly looking for popular ETF options, but the Google / Vanguard retirement fund portfolio doesn’t enlist such options (or perhaps I miss
- Investing HSA money Where do people invest the HSA contribution? No health issues per say, but may use the money for child care in future (i think this is allowed) else its just retirement money but my 401k is Vanguard 2050 retirement fund so wanted to diversify a bit too.
- vote Does it make sense to max out 401k early on this year? 401k noob here, so be gentle with your answers :) I’m invested in the Vanguard 2055 retirement fund. As the fund is trending lower due to the stock market correction, does it make sense to max out 401k asap this year so that the money is invested in the fund at a lower price? Blind tax: TC: 160k Y
- Expense Investment Saving Ratio For after tax after 401k salaries, do you think spending about 50% on living expenses, investing about 25% in Vanguard Retirement fund, saving 20%, and keeping 5% for fluidity a good allocation ratio? Renter, no home, no loan.
- Vanguard 401k fund symbols In my 401k account from Amazon, I have following funds: Vanguard Institutional 500 Index Trust Vanguard Target Retirement 2050 Trust Select I want to track them using Google finance's excel function, but they don't have a public symbols. And prices are different from their similar public funds. Is
- What to do with 401k? 401k took a $80k dip since the corona disaster. And doesn't look it hit the bottom. Currently invested in target funds within vanguard. Still 30 years to retirement, if survived. Lol But, any suggestions on what to do? Move to money market or just wait and see? #401k #investments #stock
- 401k: brokerage & portfolio selection Which brokerage do you use: vanguard, or fidelity? And, when you choose the investment portfolio how do you pick the selection, specially if you are a risk-averse person like me. Just to share, my current vanguard election has something like 90% equity + 10% bonds allocation, which was set by defau
- vote Which is better VTSAX, VOO, VTI ? All, I’m using fidelity brokerage link account and can access basically all the funds in the market. Since, i have more choices other than just investing in fidelity funds, what are the other better options from vanguard? After putting some dd, i came across these following funds which interest me
- vote Investing in index funds/etf Having $70k sitting idle in bank account. In early 30s working on an h1b visa and planning to go bank to home country in 5 years. I came across index/etf funds (VOO/VTI/VTSAX) and was wondering if Robinhood is the right tool or opening a vanguard account? What are the advantages of one over the oth
- vote Any idea about vanguard’s financials etf - VFH Has anyone looked at Vanguard’s Financials ETF - VFH ? How’s it doing for you? The holdings look good with better returns over the past few years. Top 10 holdings are JPM BRK.B Bank of America Corp BAC Wells Fargo & Co WFC Citigroup Inc C BlackRock Inc BLK Goldman Sachs Group Inc GS Morgan Stanl
- Roth 401k vs Pretax 401k I maxed out 401k (30k after match) and it’s all mostly in the pretax target retirement fund (other than a little in the Vanguard Brokerage Option). I maxed out the HSA (3500) and put it in the the target retirement fund also. Today I opened a Roth contributory IRA and transferred 6000 from my checki
- Changing 401k investments With so much economic and social uncertainty, I am thinking that the recent stock market surge is too good to sustain. Instead of a 'V', we might see a series of rolling 'W's. I am planning to change the investments in my 401K plans from Vanguard taget retirement date funds to cash in the short ter
- 401K or not ? My employer doesn’t offer 401K match. I have been investing about $500 per month towards my 401K with Transamerica and 100% goes to Vanguard Institutional Target Retirement 2050 Ret Acct. I will have about 10K saved up by the end of the year. Should I max out my 401K and lock up my money till 60 yea
- 401k investment mix? My question is specific to empower retirement (could apply to others as well) What is your investment mix? Which funds do you select and what percentage? I have 90/10 equity/bond mix with 3 vanguard funds (1 large cap -35%, 1 mid cap-18%, 1 intl-22%) and 20% dodge cox intl My year over year growt
- #investing Should I combine my various mutual funds? I think most of us probably have some flavor of the below 4 buckets of investment opportunities. Right now I have them all contributing to different things. What would you do? Fund wise, I'm invested heavily with: 1. 401k (Fidelity - Target retirement) 2. IRA via backdoor (Vanguard - Target retir
- Higher risk ETFs? When I started investing, Bogglehead friends told me "100% in S&P500, set and forget" and/or the three fund portfolio. I've been doing that for a while but I have actually grown interested in VGT lately. What do you think? My portfolio: 8% emergency savings* 9% SWPPX 8% VFIAX 4% SWAGX 21% Waymo** 4
- Vanguard managed services? hi, looking for an advice if I should enroll into Vanguard managed services that cost around $300 annually for every $100k investment. Again I have the time to invest in but looking for an expert advise to grow my investment. my challenge is that after speaking with an advisor, it seems they want to
- Where to park money? Where should I park the money I’m saving for a house? I already max out post-tax 401k ( havent looked into mega backdoor yet ) and put aside 3k / month in a Vanguard index fund. Where should I put the rest of my money after bills, rent, etc. to maximize saving for a house? (And don’t want to play wi
- Anyone doing FIRE? What is your savings rate? Almost 45. I max my 401k every year. I also save about 40% of my remaining take home pay (after 401k/medical, etc...). I automatically transfer money to Vanguard index funds and to a T. Rowe Price Tax Free Bond fund(its for virginia residents). I keep it simple. I only check it about once/year with
- Roth 401k rollover and Pro rata rule I’m starting a new job soon and I’m trying to figure out what to do with my existing retirement funds. I have my pre tax 401k and a Roth 401k which I used for the mega back door through Lyft. My initial thoughts are to roll the Roth 401k into my personal Roth IRA with vanguard. However it seems if
- Parking cash for down payment? Sounds like a lot of people on here are parking cash for a down payment on a place or hoping to eventually snatch a bargain on a real estate investment. Where do you keep this money and how are you having it work for you? Let’s keep retirement funds out of the discussion and talk short-medium term.
- Indians in US, where/how do you invest your money? Is there a ELI5 which I can refer to understand my options of investing in US. I've read about vanguard MFs. They seem like a decent option. I don't want to get into real estate(as I like liquidity). Also, I want to understand if I should invest in 401k(I dont plan to retire in US). Btw, 401k is th
- Is changing 401K investments a taxable event? I enrolled in FB's 401K plan when I joined the company and chose to distribute my allocation into a bunch of Vanguard target date funds alongside a bond fund as well. Over the course of the past year, I have realized that my 401K portfolio performance has been rather dismal, mainly because of the bo
- Finance/Retirement experts, advice I’ll keep it short... Currently unemployed but new job in the works very soon. At age 39 I have about $200K in total retirement savings spread across three different 401K accounts (Vanguard, Empower, Guideline) from previous employers. Is there anything I should do? Leave them be? As far as I ca
- What to do with 100k So I'm a bit of a newb (26 years old UX designer) but want to reach out to the community for help and support. I bought real estate in Seattle two years ago and I'm happy with that decision and now I'm liquid >100k cash on top of my real estate holding and retirement accounts. My question is how
- Investing tips for a new grad? Hi, Wanted to ask this community for any advice on how much money I should be investing vs keep in savings as a new grad. Currently, I’m maxing out my Roth 401K (Vanguard target retirement 2060) and IRA, and have about 10K in FAANG stocks. I also have company RSUs that I plan to hold for a little
- How muchucj do you put in your kids 529? Inspired by the recent ivy league thread. I opened a 529 account through vanguard when my son was born and my SO and I put ~750 a month into it. Able to max out retirement and cover other bills, but worry sometimes I'm not putting in enough or am putting in too much. According to some online calcul
- My dear TC chasers Now that you’re reading, I need bit of a help with understanding investments. I am in Seattle and make $160k base. I am contributing 12% to my 401k through Fidelity. That’s close to about $19500 I take it. I am also contributing about $3k into my HSA. Now I understand that I won’t be eligible fo
- How do you guys budget and how do you make sure you’re saving? I’ve been bad with saving money outside of my Roth IRA and 401k, both of which I’ve been maxing out. I’m 22 and only have $15k in my emergency fund that was my signing bonus and after that I never could add money to it. I kind of just leave money in my checking account just in case. I want to get i
- Expecting the stock market to crash soon? There seems to be lots of consensus that we're about due for a crash. Is it worth moving some funds out of the market and into something more stable for the short term? I've got most of my savings in Vanguard's Retirement 2050 fund, and while it's done well (~15% per year) the last couple of years,
- vote Is 100% 401K Match up to 5% of salary above average? Saw this from the startup perk post https://www.teamblind.com/post/Most-ridiculous-startup-perks-4JoNF6FN OP was saying 100% Match up to 5% was a good perk from their company. Some comments say their companies match up to 12%. Updated: Analog puts %5 of salary without needing contribution from the
- link ‘ Build on your lot’ builders with cost+floor plans in bay area,ca. I searched but couldn’t find builders with floor plan catalog & approx cost. This was the only one- https://thomasjameshomesusa.com/northern-california/ Any recommendations? Thanks
- vote Stocks and US Elections #personalfinance #investments Has anyone noticed recent steady sell off? what do you think, what are the chances of stocks falling after upcoming US elections if trump wins or biden wins..
- vote What will happen if Prop 22 doesn’t pass? Title says it all. Mainly thinking from the Gig companies perspectives. Vote or comment #Prop22 #tech #california @postmates @caviar @grubhub
- Thoughts on this tiktok nuclear energy influence Her goal is to save nuclear plants and advocate for more nuclear energy using weird videos on tiktok. Thoughts ? https://twitter.com/isaboemeke/status/1319674446391619584
- Ayurvedic doctor in Bay Area Has anyone tried Ayurvedic consultation & treatment in the Bay Area? Looking for references/recommendations. Thanks #medical #health