Espp and rsu

Apple
itiger

Go to company page Apple

itiger
Jun 19, 2018 10 Comments

Should I sell my espp shares and rsu shares and put the money in my 401k or acorns account or leave them alone

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 TOP 10 Comments
  • Square / Eng
    SQ

    Go to company page Square Eng

     SQ
    I'm HODL myself 100%. The people at square who have done really well for themselves.
    Jun 19, 2018 0
  • Drop acorns. The fees are ridiculously high. Just put the money aside on your own.
    Jun 19, 2018 0
  • Amazon / Eng
    G00G-BOS

    Go to company page Amazon Eng

     G00G-BOS
    Depends on your view of the markets - if you subscribe to the idea that markets are mostly efficient and no one can really predict which way they’re going to go, then you take out the money and throw it in the following order:

    Cc / high interest debt
    3 mo emergency fund
    401k
    IRA
    Trading account with money In some (reasonably) diversified Low cost index

    However if you did this 2-3 years ago with your amazon stock, you’d be a very sad man right now, so who knows - think about your risk tolerance etc I guess
    Jun 19, 2018 0
  • Capital One / Eng
    肴

    Go to company page Capital One Eng

     肴
    Get a financial advisor
    Jun 19, 2018 0
  • Apple
    itiger

    Go to company page Apple

    itiger
    OP
    I like the idea behind acorns but what would you recommend I invest it in to if i quit acorns because I would like to have my money doing something for me while it’s just sitting
    Jun 19, 2018 2
    • Throw it at an S&P index fund if you're new to investing. Pick a brokerage like Vanguard.

      Acorns is a nice idea, it's just expensive when you consider the fee. Also it doesn't save all that much.

      You're better off just picking a dollar amount each month that you take out of your account and invest.

      Note that if your employer matches 401k you should contribute to that before anything else.
      Jun 19, 2018
    • Apple
      itiger

      Go to company page Apple

      itiger
      OP
      They match 6%
      Jun 19, 2018