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Personal Investment Chatter

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Offer questions and experiences related to personal finance and investments
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I recently left PwC, leaving behind my 401k and wealth builder. With the market being volatile, should I leave it there or roll it to my new employer's plan and buy at historical lows?

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I’ve been aggressively looking for investments and came across TBO capital. It’s a performance fee only fund. Only take cut from profits. 50%+ gains for 5 years looking for red flags but not seeing an… more

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Do you guys think the stock market will generally continue to go up over the next 50 years and follow the historical trends it has since the early 1900s (approx 10% returns annually)?

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Here's a piece of conversation I recently had with a 40 yo family member.
They: Do you think I should keep contributing to my 401k?
Me: Of course! Now's a great time.
They: I d… more

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Besides 401k, do people invest in both Traditional and Roth IRA?
Context: All this while, I've been only contributing towards 401k. Educating myself more about IRAs recently. Would appreciate… more

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Say you have $10k spare fund at this point. Would you invest towards an IBond (current rate just beating inflation), Stocks, ETF or Mutual Funds?
Edit: Timeframe for ROI: 7-10yrs

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What app do you use for monthly budget?

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HSA where do you invest in fidelity? Based on the advise on this group, I opened a fidelity HSA although my employer has it through BOA. Also, How do you roll it over?

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Someone recently told me that real estate has a better value than the S&P 500 over the same 30 years. If you are considering that the real estate is your primary residence that's no longer tru… more

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Not sure what to do: I have always wanted to help my mom financially but have never been in a position to do so. I currently put away 25% of my paycheck into investments + Roth IRA. Recently, I learne… more

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In what proportion do you typically allocate your net monthly savings into liquid cash, stocks, ETFs, Index Funds etc?

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FICA tax question: I am on F1 and I will activate my consular notification H1B at port of entry later this year. Will my year end bonus and paycheck be taxed the additional 7.74% if I return on Dec 31… more

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Any thoughts on I bonds? Some recommended them. Pros, Cons ?

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When can you afford to buy a house in London ? Is it possible to earn £70k and buy a 2 beds+ house ?
Has anyone financed their house recently, what do the interest rates look like ?

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If making 100k annually and can get a VA mortgage. What price range should I finance a sfh?

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Is a 3k mortgage, including insurance, tax, HOA, too much for someone with 91k salary?

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Is there any loan refinancing company that will allow me to take on my husband’s student loans? I’d get a much better interest rate if he’s not on the loan as he’s our stay at home parent now.

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What cc should I sign up for next? Moving at the end of the month and want to take advantage of a signup bonus.

Have capital one quicksilver (1.5% cash back) and CSP (travel / eating out p… more

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VTI or VTSAX and why? Never understood ETFs so I bought VTSAX.

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Where are we at when it comes to the recession? I see layoffs slowly starting to happen in the tech industry. Are we currently in it? Has it not hit yet?

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Can I get some real helpful guidance here?

Current finances:
-75k in the market (VTI,QQQ, ETFs and stocks)
-20k in Emergency find /Cash
-30k in Roth(maxing since 2019)
-… more

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For those who use Mint to budget and track their expenses, is the Premium app worth it?

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Single/HHI : ? Which year and Car Model(s) do you drive : ? Lease or Own ? How much $ : ? What would be your next car ? Curious to see a pattern if any here.

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Hypothetically speaking (need advice for myself but its embarsssing) —- If you needed to invest $150K cash today, what do you buy? I’ve got another $150K cash that will need to be invested next year s… more

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I’m confused about my health insurance coverage/therapy bills. I pay $175 a session for my therapist out of pocket. However I am receiving letters from my insurance company (“explanation of benefits/n… more

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Hospitality is being one of the sincerest careers which I have come across. I have spent almost a decade in the career and found many infinite insights.

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Hypothetically speaking, if you had 15k to park somewhere for 2-3 years whats the best options where i’m growing my money and not taking losses?

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Just opened my first Roth IRA. What does everyone invest in - using their IRA? I think it's supposed to be different investments than my 401k account and my brokerage accounts. Are there Index fun… more

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Moving from Canada to California (I’m a US citizen repatriating). We have a home in Canada that we’ll be selling and anticipate a $150k profit to use on a future down payment. With rising interest rat… more

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About to purchase an engagement ring.

I have the option to pay it all up front, my initial preferred option to just get it done immediately and not go into debt over it, or I can finance i… more

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Fellow Fishes, I am NC and state does not offer any tax benefit for using state 529 plans. Any recommendations of which plan is better (performance/fees). Kid will be heading to college in next 9 year… more

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Are we buying ETH right now?

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Best place to park house down payment money if I’m not buying anything for probably 6 months?

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I want to go back to school for a degree that I actually want to do not just to check the check boxes. I have my undergrad and MBA. I found a grad program that sparks joy. But I don't know that it… more

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Best single ETF investment strategy? I know don’t put all your eggs in one basket and all that, but looking for simplicity here, so can focus on earning.

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