Personal Investment Chatter

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Offer questions and experiences related to personal investments

Have you ever invested during a bridge round?

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My SO thinks I should pay off debt before investing in stocks (besides 401K). The only debt I have is around $25k in student loans which I pay around $700/mo on. I pay off credit cards in full every month. Thoughts on investing with student loan debt?

helpful
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Mint vs Personal Capital for tracking spending / net worth? Use Mint now, but honestly don’t like their budget features

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Getting ready to do hard pull on credit report for mortgage application. My better half is in 700-719 range (lenders will take lower score between us). What do we think is the better option to increase her score—increase credit line at current credit card, apply for new credit card, or do nothing? Thanks in advance!

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Anyone know how to pull in a PY control form on this new canvas?

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Grew my net worth from 0 to 230k in just over three years. AMA.

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likeuplifting
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Thoughts on JPM? Thinking about some financial sector plays now that tech is overbought.

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“yOu CanT tiMe tHE mArKet”

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likefunny
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Cross-posting and not exactly related to investing: Let’s discuss what do you think will be the major economic impacts/lifestyle change in the next 6 months? For eg, do you think people will spend more in online shopping , people will rent more apartments since they now realize they want to live alone, will car sales increase because people want to avoid transits?

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Seeing a lot of posts on the different 401ks —- how are you able to predict the lower/higher retirement tax rate in the future? I know many people in their “retirement” years that are still working for enjoyment (now teaching, side hustles, etc.) and earning an income. I’m very confused!

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Does anyone have any experience buying a brand new house straight from the builder? I was going through their contract and seems like everything is in the favor of seller/builder. I’d really appreciate if anyone can share some key pointers while going through this contract.

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My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time? Ride along/increase or decrease my percentage?

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If your company doesn’t match are you still contributing the maximum to your 401K?

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Thoughts on bank/fintech stocks right now?

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For those that have shorter term ‘play’ money investments in your brokerage, do you actually set price targets and sell when you reach them? I’m looking to take profits on a few positions built up in March that have reached the targets I set, but curious what others do. E.g. in this case BA at $150

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~100k savings , what to do 1. pay off mortgage 700k 2. pay off credit card 12k, 0% APR 3. invest in rental property in LCOL 4 buy land in USA or India. 5. invest in stocks

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Made a horrible timed decision to transfer my IRA from betterment to another broker. They can’t do ACH/In-kind transfers, and had to do a manual transfer, so had to liquidate and send a check. They are extremely slow (time between liquidating and sending a check to my new broker) and has resulted in me missing out on the last week of market gains. Avoid betterment like the plague if you ever think you may need to transfer retirement assets.

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Fidelity or TDAmeritrade? My significant other has fidelity and claims it is better. I have TDAmeritrade currently but considering switching.

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Hello! I’m 22 and I have enough saved up in my emergency fund to go ahead and turn my savings to starting a Roth IRA (yes I have a Roth 401k that I contribute to with my firm). I’m not great in finance and so I was looking for investment options that fit best for a ‘beginner’. I was considering either a Target 2055 or a Target 2055 index Mutual fund. But now I’m seeing other options like ETFs and I’m getting confused. Any advice on where to start would be really helpful!

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What savings or investment strategy did you use to save your first $100k from your earned salary (no gifts/trust fund babies)? How long did it take and how much were you putting towards it each year?

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