Personal Investment Chatter

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Offer questions and experiences related to personal investments

For excel and real estate nerds, how do I calculate annual interest in first year for a monthly-paid mortgage in one cell. Basically I don't want to see the annual sum of the monthly interest paym… more

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What broker do you use and why? I’m just getting started w fidelity

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Kicking myself in the nuts everyday for selling 300 shares of Apple between $150 and $200

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Anyone refinanced using Loandepot.com? Any feedback on how reliable and credible they are?

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With a 80k salary, what’s a reasonable amount to pay for rent?

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Best resources for learning more about real estate? Currently have 50k in savings that I’d like to turn into a down payment for a rental property within the next year. Also any general tips?

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Anyone with a chase reserve card use the “pay yourself back” promotion to get 50% more value out of your points? Thoughts ?

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For people in NYC - how much of your pay do you save/put aside for investing every month?

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I am 22 and started putting money into a Roth 401k due to advice from FB...then heard Traditional is better because our tax rates will be much lower in retirement. What is the consensus here?

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Can someone explain the YTD column in the below table? Doesn’t make sense to me that the individual funds are up by a lot but when added together it’s not much.

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Today is not stonks :( Picking up any stocks today?

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I’m 25 years away from retirement. Fully allocated my 401k to stocks. However, when I was looking at available funds I noticed that there FID LT TR bond index fund (FNBGX) with 30% 1 year returns..

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Have my current 401k with fidelity. Does anyone know if the "record keeping fee" is specific to all fidelity accounts or just bc I chose to do the automatic life path 2060 fund? TIA!

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Got 70k in cash that i don’t need until 2021 Sep. What are some low to medium risk investments I can do for an year?

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Thoughts on DDOG?

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I’m so bad at investing. I make many emotional investing decisions without thinking too much about them. Like I just sold ETF I didn’t like much and as soon as I sold it, it went up by 20%. So many of… more

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Added to some my gold allocation. On pullback. Miners.

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What do yalls portfolios look like? Are you guys consolidating around a couple funds or are you guys more spread out?

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What do you think about Analyst opinions on stocks? What do you think about a portfolio of 20 stocks with highest and most analyst ratings and reset it every 12 months (to avoid ST gains)?

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I have maxed out my 401k (half in Roth and half in traditional) -$19,500. I’m thinking about opening up a Roth IRA for an additional $6,000. I’m 23 and on parents health insurance so no HSA yet, and I… more

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Got refinance rate of 2.375% for 15yr fixed in PA. Anyone getting better rate and with which lender?

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STONKS!!

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Voo or VTI

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Looking to move my passive non-US developed into active management (aka international ex-emerging markets). Any recommendations for a good mutual fund? Bonus points for Fidelity Fund Pick so I avoid l… more

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How much money would you have to save for you the think you have finally “made it?” For me, I would say $4.5M with house completely paid off and a safer investment return of 3% YoY.

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APPL at 10% of my 401K portfolio. Should I lock gains and decrease exposure to 5%? I am happy to buy more once it drops.

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Anyone else find it hard to maintain your asset allocation when tech and large cap growth have been dominating the markets for the better part of ten years? Finding that international/emerging and dom… more

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Is there a tax-efficient way to set up recurring donations to charities / non-profits?

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Would now be a good time to get into Fastly or net if we already missed the earlier run up?

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That feeling when you realize that if you had a heavier allocation a tech heavy fund, since starting job 7 years ago, your 401K balance would have been nearly double what it currently is and you would… more

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NYC - condo vs coop. Can anyone give me advantages vs. disadvantages? Are there certain tax deductible advantages to the coop? Also, on average, what do HOAs cover within the apartment? What’s the val… more

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Checking account with WF since 1996 (First Union). Thinking about closing it so I can later get $400 bonus (and because WF clearly isn't the model bank right now). I've just about used all the… more

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Why aren’t doctors in the US paid more during their schooling & residency? If it takes 10+ years to become a physician, that’s 10 years of lost wages which could’ve been saved and compounded. Reti… more

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How soon can I take out another mortgage after getting one this year? My credit score just dropped 25 points because of it.

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Megabackdoor Roth detailed question. Can I roll over the EARNINGS of my after-tax contributions directly to my Roth IRA (paying taxes on them of course)? If not, how do I get those earnings to my Ro… more

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When did you first live alone? I am 25 making 121K pretax. I want to move next may (my roommate is SO messy) I can decide if it makes financial sense to live alone next year or get a better roommate. … more

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People who buy properties and rent them out: how much time does it take to manage them? Did you hire a property manager? What’s your ROI on it? Is the time spent on it and potential increased ROI wort… more

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Most of my 401k is currently in a 2050 target fund. Any suggested alternatives?

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Anyone own a condo? What were your reasons for buying a condo versus a single family home? Do you regret it? What are the pros and cons of having a condo?

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