Offer questions and experiences related to personal finance and investments

Hypothetical: let's say I take 100,000 today, post tax and invest it in a brokerage account for 30 years (I'm 25). If we assume 7% interest rate it comes out to be 750k. If I draw below the 80… more

Is tesla a good buy at 664? Thoughts?

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Alright all you ARKK proponents, what’s the move? Still a good long term hold? Haven’t heard any chatter about its ongoing decline, but it was everywhere when it was doing well.

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Im 32. Have about $165k in various retirement accounts. Make $155k per year. Have $50k in checking and $15k in stocks. Have $150k in student debt. Should i have more in stocks? What are some table sta… more

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Getting pension ~20K from previous employer. Confused between cashing it out with tax and penalty , moving it to Roth IRA with tax and penalty or moving it to 401k with tax. Can’t do traditional IRA a… more

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Looking for advice: Wife and I looking to buy a home in about a year or so. Have enough cash/liquid investments for about ~10% down payment for our target home price. DTI is around 28%, almost entirel… more

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Lost 25% on ICLN in last few months. What to do? Hold it sell/reinvest?

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I have a prejudice against cryptocurrency; thinking it’s mostly criminal etc.... but I am LONGING to invest in it... convince me I should do it and which is the best to get my feet wet? Also, will it … more

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How do I open an HSA? Is this on investing brokers like vanguard?

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What are good investment vehicles for HNW individuals not eligible for employer 401K plan?

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Advice needed: Trying to just set it and forget it on current portfolio. Thoughts on this for long-term (20+ yrs)? 50% VOO 15% QQM 20% VTI 5% QQJ 5% SLY 5% MDY

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Need advice/assistance: I am over the income limit to directly contribute to a Roth IRA. My employer offers an automatic after tax “in plan conversion” from my 401k to Roth IRA. Am I able to use this … more

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Seeing couple of my mgr getting laid off after 15-20 yrs in the same company got me some panic attack, I got nauseated just to think of the instability, and what would I do in 15 yrs to secure a good … more

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How many of you think it's a good idea to buy a house in the current market which is overly inflated? Finding the right balance between taking the advantage of low interest rate vs hefty price tag… more

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What international stocks or ETFs do you own?

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What’s the difference between the equivalent Vanguard mutual funds and Vanguard ETFs? I see to be getting way better results in the ETF which goes against their marketing... confused

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I don’t currently invest in crypto. What are the arguments for or against starting? If I did, I would hold for longer term (5-10+ years).

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H1B Fish... do you use a Roth or Traditional 401k, and why? I have been wondering if I should be contributing to one or the other. For what it’s worth, I plan on being in the US for a few more years b… more

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This stock market driving me nut

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I need these doge and crypto clowns to learn about options so I can sell my covered calls left and right and collect nice premiums

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What are people who got rich from bitcoin/dogecoin doing with that newfound wealth? Spend it on crazy vacations? Save for retirement? Reinvest or hold?

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Can someone please share their expenses on home insurance? The house we plan to purchase is around 550k and so far I’ve got one insurance quote for $3,100. That seems pretty high to me especially give… more

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Need some advice on deciding to REFI my home loan. I know there are cost and fees associated so I’m not sure if it’s worth it for me. Here are the details: I am prequalified for a 2.5% interest rate (… more

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Is there an index fund that allows me to essentially invest in either Vietnam or Thailand? I think their economies will do well in the future but not sure how to invest in that concept

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Best index funds to buy into right now?

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If I get a new job in New York but only move in august, would I be able to avoid state income tax for all of 2021 income given I spent over 6 months in Florida ? Have lived in Florida for all of my ca… more

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What would leas to a higher return over 30 years: $100 invested in S&P500 index or $100 in Verizon with dividends reinvested

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Has anyone used Personal Capital as an asset/wealth manager? And also, has anyone used Personal Capital and then decided to terminate their services? Was it a hassle to end the relationship and move t… more

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Best mutual funds to invest into Roth IRA/pretax 401k?

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Going to have a kid in November. What are some of the best savings options long term barring 529? Also, if I were to buy stocks for ~10k on day of birth what would be the recommendation be?

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How to best save money if I’m preparing for MBA admissions next fall?

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How long before you plan to buy a home should you keep your down payment savings in cash vs in the market? Currently looking to buy no earlier than 15 months from now, and potentially even further ou… more

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Who is going in on the peloton dip?

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I am scheduled to join EYP in a month. Do I have to sell my stocks of companies for whom EY is an auditor? 80% of my portfolio is showing as potentially restricted in EYs independence tool. Does EY gi… more

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Good time to move to cash? Too much volatility in the market

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Thoughts on LMND in the low $80s?

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Im sitting on 60k in cash including my emergency funds. I started investing for the first time earlier this year and put around 25k all in growth stocks. Unfortunately growth stocks correction happene… more

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I’d be curious for peoples thoughts on permanent life insurance. We’re early 30s, 2 kids. We can very likely comfortably afford the big up front investment for the next 15 years or so. It feels like p… more

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Is it better to risk emergency fund (have about 13k) for investing, or should I leave investing as a separate budget and/or employer 401k plan?

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Grappling with moving out of the parents’ house (back to NYC) vs. building wealth (on a small salary, currently applying to jobs) by continuing to stay. I broke my lease last year due to covid and bee… more

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