Airports Discussions
DCA

If my employer doesn’t match 401k, and I’m already putting money in Roth IRA, is it still worth it to put money in 401k? Supposedly if I just DCA into S&P and never sell, there’s no tax on a regular non-tax-advantaged account either, so investing through a regular brokerage acct would be the same as through 401k acct? What am I missing here!

23, $100k in cash sitting at about 3.5%, $250k NW. no debt, paid car, currently rent in a UHCOL. DCA $100k in or go for real estate?

Joining bonus
What is DCA incentive, can anybidy explain?
I heard TCS can decrease ur salary, how does mechanism work? And what components can be reduced?

Hi all,
I have 3.9 years of experience in tcs. Last year i was selected in DCA exam and started receiving elevated incentives. This year i was wrongly given C band and because of that my incentives are now paused. But the thing is my compensation letter still says my ctc is 8lpa. But in my salary slips I'm not receiving according to ctc. Currently I'm serving notice period and told the other company that my ctc is 8lpa. Will there be any issue on bgv when i join next company?

Hi all,
Has anyone know how much hike is given for DCA for an ITA associate( 7 years exp)

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)
-60k in 401k (maxing since 2019

I don’t got much money expenses and wanted to know where to put my money during this market for the next couple months. Is it smart to DCA? Put limit orders in? Just hold cash?

Additional info:
-minimal rent / expenses (~1000/mo)
- started HSA this year
-130k, 3 YOE
- no debt

DCA into Bitcoin?

If you guys came into a large windfall of cash today, would you immediately dump it into index funds, DCA it over the next few months, or wait on investing any of it until the market bottoms (which I know is unpredictable, but does seem like it’ll go lower). Thanks!

Anyone fly out of DCA lately (domestic)? How was it compared to pre COVID? Have a flight tomorrow afternoon and trying to figure out what time I need to get there

I have my whole 401k in a target date fund with a 30 year horizon. Should I do anything different or just keep DCA-ing with every paycheck? Is now the time to increase contributions?

What are you guys doing with crypto? Debating if I should dca into eth or just wait it out.

I’ve been making my regular monthly VTI buys, but also sitting on about $80k in cash that I was planning to invest. Split it up over the next few months to DCA it as well or try to time it for a larger dip?

Since there’s no wash sale rule on crypto, anyone selling and buying immediately to capture losses? I have some old crypto (2013) and some new (DCA 2017-2021). I haven’t really tried doing this but interested if others have. Doesn’t feel worth the fees, but for my old coins feel like it would step up the basis without any major tax consequence.

Lump sum $6k now or DCA and contribute more as prices go lower?

None of those growth stocks going back to ATH anytime soon. Maybe in a few years some stocks with good resistance will bounce back to ATH.

Forget about your existing losses, and stop DCAing blindly. Do more research and find which stocks have strong balance sheet and strong future to be back over next few years.
Only pick selected few or blue chips for dca.

Easier would be to invest in index. Would still get solid returns.

So I was recently laid off. Wondering if I should keep investing into the market (dca into blue chip crypto + index funds) or if I should just stop since I don’t have recurring income anymore. For more context: I live at home and i have a decent amount in savings. I just would feel more comfy if I had $ coming in, especially given $ invested in the market now is losing value in the short term. But also worried I’m missing out on DCA and building long term wealth through investing. Thoughts??

Are we buying? DCA’ing? Praying? What’s the plan here

People keep saying DCA over the next few years and you’ll weather this potential recession. Can people provide reasons for and against? The other option being hold cash.

How to react when your boss says your Apriasal will be impacted and be on time in office for small small reasons:
Have everyone face such people, 6 month of joining
I am not performing that bad but he is comparing with others

Just to mention I don't care about Apriasal no expectations at all DCA hike only possible through switching

Got $6K to spare in a Roth IRA. Lump sum or DCA?

27F - My parents set up a custodial account for me as a kid and we are in the process of transferring ownership (I feel very lucky that they were so forward-thinking!). It’s enough for a down payment on a property, but I do not see myself needing it in the next 1-2 years. Looking for suggestions - would you DCA into ETFs over the next 12 months or put it safely into an HYSA?

Background: No more debt / student loans, trying to plan for unknown future

IMPORTANT 🥺🙏🏾

Hello Experienced TCSers,
I am DCA qualified C1 employee 2.9yoe. I want to stay in TCS. (Don't judge me)
My dad's health remains critical so TCS as a co. helps me take care of him.(Brain Haemorrhage+LHS Paralysis)
Problem is my 50% of sal is band dependent.
Have got 2 continuousAs .Tfactor - 3.06.
My question is ,can I get an offer outside and get 30% within tcs and convert elevate incentive into personal allowance section?

Pls help🙏🏾🙏🏾🙏🏾

Would you guys say DCA is the best strategy right now to enter a dip for long term strategy?

Should I just DCA into the VTI. I'm tired of losing $ lol.

Bad time to switch out of dumb stocks and into index (tech / high risk stocks) or just hold and dca cash / new cash into index? Yes I should’ve been doing this / should’ve earlier in the year, but I was being stupid and stubborn in holding

At what point should I sell off some tech losers and migrate over to ETFs? Most of my portfolio is VTI, but I’m holding major bags on PINS and DKNG. Do I reverse DCA, in a sense, with selling?

Do the principles of DCA still hold in today’s markets?

Experts in the group - could you please explain DCA with a tangible example (sorry, new to the game!) like which brokerage, contribution frequency, via traditional IRA or Roth or taxable account, which specific stocks/funds/ETFs etc. TIA!

Speculation: How long until it will be a buyer's market for a new car and rent?

23 year old living at home with no car, making $130k base in LCOL.

Currently deploying all my paychecks into VOO, VGT, QQQ, ARKK.

I'm just bunkering down rn tryna DCA into the dip, so I still feel like a poor college kid with no disposable income.

Any advice for the near future?

What’s a better buy to DCA into for the eventual upswing: UPRO, TQQQ, TECL, or WEBL?

Not sure who needs to hear this but this bear market is a normal part of the crypto cycle. Remember the feeling when you thought everything was going to the moon, now you have the feeling everything will go to 0. It’s “normal.” Bad projects will die but the stronger ones will emerge even stronger. Welcome to 🥶 and see ya on the other side. (And IMO wouldn’t DCA into anything other than BTC / ETH for the next few months)

I just closed on a 3 family property in NJ. This is my first property. What paperwork do I need to complete after closing? For instance, I just learned I need to register the rents and get a certificate of registration from DCA. Is there a new home owner guide or something that lists the paperwork new owners need to do?

Currently I am serving notice period in TCS and my LWD is last week of june. I didn't receive band although I had 4.5 IPF.

But my concern is whether my dca incentive will stop or not? As per the rule, we should get A or B to stay in digital salary but they didn't even release band for me.

I am completely mentally stressed and thinking too much of it. I have financial liabilities and if they cut the whole incentives for 3 months ( ~75k) I don't know how I am going to manage.

Hi Experienced TCSers,

I joined TCS as Ninja in Jul2019.
First anniversary- got 4 ratings. Jul20
Appraisal1 - got A band. Apr21
Sec Anniversary - got a default hike.Apr21
DCA cleared - got a CTC hike. Jul21
Appraisal 2 - got A band. May22


My question is since I got two consecutive A bands, is there a possibility of promotion to ITA in the next couple of quarters, heard we are eligible for ITA after >3.5yoe, if started from a fresher...is it true?

Pls help me with ur experience...TIA 🙏🏾🥺

What is everyone DCA’ing until 2025?