6 weeks PTO Tuition reimbursement Generous 401k match Have had some great coworkers
Extremely low compensation. No longer reward loyalty. If you begin your career here and work your way up you will always be at the bottom of the very large salary ranges. External hires will get paid substantially more for same position. No more partnership bump for 6+ years of service. Benefits get worse every year. Clearly no longer care about crew. All that matters is the bottom line.
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
My previous company 401k is the Vanguard Target Retirement Fund 2055. It doesn't grow much and still below the ATH by 20%, whereas SPY already ATH. Should I sell that and convert to SPY instead. I currently have 120k 401k Target 2055 and 110k 401k in SPY. Should i just convert all 401k to SPY instea...Read more
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.
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 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...Read more
I haven’t contributed to any retirement plans for myself yet - no 401k, nothing. Been saving a LOT as I’ve been living with my parents post-college. I’m looking to throw in max annual contribution to a Roth IRA ($6k) with either Vanguard or Fidelity ASAP (before EOY). My main concern is that I thi...Read more
Total Cash: Total Stock ~ 800K : 800K Age mid 30's Details: Cash and cash like assets: 75K CDs: 750k @ average 5% GOOG: 300k APPL: 175k S&P500: 35K Vanguard Target Retirement: 285 #tech
Small little PSA to take advantage of 2023 Roth space if you haven’t already. The deadline is till April 15th, 2024. Given all the high TTCs on Blind, $6,500 is a pretty no-regret amount of money to stow away. $6,500 will become a nice mid-to-high 5-digit amount of tax-free gain money that could fi...Read more
I am currently at a company with Fidelity but I have switched jobs a lot so also have money in retirement accounts with TIAA, Voya, and Vanguard. My company has frequent layoffs so will probably switch again at least one more time. Is there any benefit to consolidating with 10-15 years until retirem...Read more
I did a silly mistake of selecting a default - Vanguard Target Retirement 2060 Trust and it gave very less returns
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...Read more
SoFi: taxable brokerage, 4.2% HYSA, 2% cash back credit card Schwab/Vanguard: retirement accounts Amex Hilton Aspire Amex Bonvoy Brilliant Amex Delta Platinum Capital One Savor One Bilt TC 280 5 YOE #personalfinance #creditcards #investments
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...Read more
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.
I.e. vanguard target retirement fund, emerging markets, institutional 500 index trust, etc. What is the percentage breakdown between them? And why?
Hey everyone, currently making 🥜 at Lockheed. Right now I am maxing out my Roth 401(k) match (chose Roth cause im expecting to be in higher tax bracket at retirement). I have more money to invest, should I continue dumping in employers Roth 401(k) beyond the match, or should I put it into my Vangu...Read more
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...Read more
$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