{ "_id": "59064a3cb12379001006592c", "_isBlocked": false, "creationDate": "2017-04-30T20:34:04.498Z", "categories": [], "description": "Offer questions and experiences related to personal finance and investments", "relatedCrowdIds": [ "552d1d24dc1c586b09d2d051", "55375ce690f5eebe1d2a0f88", "5c751b9f2f6b98001bc666f8", "564a5cdb94887803001dd07c", "5565cfca8b2b9a03009acf57", "553769a790f5eebe1d2a0f92", "5787dd60a3f35c130082b851", "552d1d24dc1c586b09d2d052", "5682e6afd55b9e0f00fce669", "5e77c585cba148001ab93ed9", "5d0a757f66884500200aff25", "56c75c3c1dc12b0a0097ccb0", "56fd40e29238700e00b5ee4a", "575591bd4715870e00d30511", "5e8d00ee065ee5002135bc2f", "5ef17d0fc9914f0024fe1911", "6307b71778156a002b8778c4", "6307b985e8cea3002c9297b4", "63079a6ca12e86002600a26a", "5e7169c6c917a6001ba5fefc", "63079f67548aa90022fc0415", "564cbaf767469503004fede0", "5e4bca4d473da1001b53cb24", "5eb1bcb23b975f0021424ca1", "63091cdf686cdf001f0c5919", "63c7b55b3b4cbc0052c7df17" ], "fishIconColor": "5444d6", "hideNumberOfUsers": false, "iconUrl": "https://dslntlv9vhjr4.cloudfront.net/crowd_images/WBG8iZgt8gjA0.png", "rectangleIconUrl": "", "isLocked": false, "isCommentsEnabled": false, "isPublic": false, "handleUrl": "personal-investment-chatter", "isVisible": true, "name": "Personal Investment Chatter", "networkingEnabled": false, "numberOfNetworkingUsers": 1255, "numberOfUsers": 193074, "type": 2, "bowlType": "58e6c35170558a0016aae959", "bowlTypeName": "Custom Bowl", "divisions": [], "priority": 0, "background": { "from": "2BA900", "to": "4FF4C6" }, "numberOfFollowers": 32264, "promptsDisabled": true, "roomEnabled": false, "regions": [ "61891c8e2ca26eaffdf8d90f" ], "requestToJoinSettings": { "isJoinReasonRequired": false, "shouldRequestPhoto": false, "isMultipleChoiceEnabled": false, "multipleChoiceOptions": [], "multipleChoiceQuestion": "" }, "bowlTypes": [ { "bowlTypeId": "58e6c35170558a0016aae959", "bowlTypeName": "Custom Bowl" } ], "currentMonthPosts": 79, "joinMode": 0, "suggestedIndustry": { "_id": "55375ce690f5eebe1d2a0f88", "name": "Tech", "iconUrl": "https://dslntlv9vhjr4.cloudfront.net/crowd_images/YZunlvtaHllLP.png", "crowdIconUrl": "https://dslntlv9vhjr4.cloudfront.net/crowd_images/qwBNWfWrlFN7L.png" }, "noIndex": false, "lastView": "" }
Offer questions and experiences related to personal finance and investments
Sign up to access more conversations in this bowl 🔑

Spouse and I uncovered I have a really bad spending problem…. Need a solid recommendation for a budgeting app. Thoughts?

like

Hey! Joint income of a little over 350k living in NYC. Any advice for reducing tax liability? Normal people doing normal things. We own a co-op with a mortgage, donate some money to charities, contrib… more

like

I read that the stock market is just horoscopes for men. I can’t unheard that, yet I’ve been reading and reading looking for a new investment strategy!

likefunny

Is there a way I can consolidate etf positions without paying gains? I have 69% gains on my SPY but also have VOO which I now prefer. I assume if I sell spy I have to pay that gains tax?

like

Any website that I can compare my portfolio performance to S&P500?

like

Best side hustles to maximize income?

like

Time in the market > timing the market

like

Hi friends! Finally up-leveling my personal finances and want to move my savings into a HYSA. 1) What % allocation of total savings do folks typically put into HYSA, 2) Is Marcus still the best HYSA o… more

like

I own a duplex and rent it out. Just recently put it in a LLC and looking to open up a bank account. Plan to keep minimal amount in the account ($10k or less) for maintenance, taxes, etc. but to other… more

like

Nvidia who?

Post Photo
like

Can you please help me with my understanding?
The below graph represents inflation adjusted S&P 500. Would a person who started saving in 1954, and ended saving in 1984 essentially break even or maybe even come out at a loss?
I guess my confusion is around I expect the trends to rise consistently with an average of 7% inflation adjusted rise. But how is the overall average relevant when we each risk a shorter window of 30-40 years for retirement savings ?

Post Photo
like

If I contribute to a 401K plan and then move companies how can I roll my old 401K into my new one?

like

It’s tax season in the United States. I invested in VOO, and SPY for the first time (I know they are similar).

How many K-schedules should I expect this year for taxes? I already received one and I am trying to … more

like

Can someone tell which are the best stocks to invest in, high level? Just a top line in terms of security/stability, diversifying, cost, etc. . Anything historically great / poor?

like

At age 25, what proportion of my total assets should be tied up in retirement accounts? Currently at about 125k total assets 75k of that is Roth IRA/ 401k which I consider retirement while the other 5… more

like

Anyone have tips on a 529 for their kids?
Originally I had overlooked it since it felt very rigid, but I just found out that you can covert it to a Roth IRA for your kids after 15 years. Kids are 4 and… more

like

Im finally at a place where I can contribute to my 401k, I also have a mortgage. Aside from my HSA and 401k, what else should I max out or put my money into?

like

In 2013, if you took a job at Nvidia with $400K equity over 4yrs, just that equity (no refreshers) would now be worth...

$100 million!

This is not a joke. The stock ~250x'd in 11yrs!!! Of course al… more

likefunny

I have two kids (6, 4) and am saving (I think) pretty aggressively for college in 529s. Have about $170k saved. Am planning to fully fund undergrad and any remaining goes to grad school and grandkids … more

likefunny

Do you use target-date funds or just index funds for your retirement accounts?

like

Our goal is to purchase in 5 years and would like some advice on how we are investing our savings.

Current savings: $235K
$150k in a Chase self-directed account: $100k Vanguard S&P 500 Index fund and $50k BRKB.
$50k … more

like

Any recommendations for a therapist in NYC who can help couples address their financial thinking? We bring different perspectives and obligations to the table and looking for someone who can help us p… more

like

Anyone here Canada / US dual citizens? Looking for someone to chat with on their strategy with maximizing investments....

like

Anybody looking at SQ to buy?

like

Is it better to put my money into a taxable brokerage account at Fidelity or to do self directed investing at Chase? Are there any advantages for self directed investing at Chase?

like

Can someone help me with a guide to buying a house in PA? I don’t know where to start, how pre approval works, what is the best time to start looking (considering the interest rates) , when can you re… more

like

Adobe stock dropped 14% yesterday and snowflake also down quite a bit. Thoughts on investing?

like

After 2 interviews in this community they terminated the process. They do not say why I am not qualified, yet my resume is way above the requirements. For a better process of achieving work it would b… more

like

Anyone else worried about overfunding their 529?Have two young kids and want to ultimately have just enough to pay for their college - don’t want to have a ton of excess funds given the penalty to wit… more

like

Move my old jobs pension to a Roth IRA?

I'm 35M working in Finance, earning $180k salary. I have a company pension with my old job that has about $62k vested. I was there for about 9 years. I already rolled ov… more

like

Can I contribute to my 2023 IRA if did not work because I was injured and on workman's comp?

like

I dove deep into my finances since Mint is going away. I started throwing money into investments anytime I have more in my savings than I need for an emergency, and I didn’t realize how crazy of a breakdown I’ve had over the last 11 mon… more

like

Just paid off a huge chunk of debt, and now have around $600 a month to invest…. What app should I download to begin? What should I invest in?
Anything helps!!!

likeuplifting

Anyone adding longer duration funds to their bond portfolio given that there is a good chance of rate cuts in the next 12-18 months?

like

I am a late comer to good financial habits. I’m 33 y.o. and this is the first time in my life my cash savings reached 5 figures.

How do others reading this compare? Do you keep cash in high yields sav… more

like

In case you’re having a bad day: Closed on a home equity loan last week. Funding was supposed to happen today. Turns out the notary from the title company screwed up the closing documents. She was sup… more

likehelpful

Looking into getting into rental real estate/investing. Any good advice to someone investing in their first property ?

like

Probably a very dumb question so don’t attack me. Hubby and I received a $50k life insurance payment after his mom passed away last year. To my knowledge, this money isn’t taxable, and we also did not… more

like

New Chase Freedom (Flex) 5x categories are out for Q2:
- Restaurants
- Hotels
- Amazon, Whole Foods

Pretty sweet since restaurants will bump up to 7x (1x base + 2x restaurants + 4x rotating categories). Whole Foods w… more

like

If I withdraw 100K from my Index fund for a down payment on a new house and then reinvest the same 100K [on the same index fund] after selling my current house within the same year, will this strategy… more

likefunny
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to join this community on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal