All of the robo-advisors I’ve seen invest in low cost ETFs. Are there any that invest in individual stocks? It feels like this would be much more effective at tax loss harvesting because it would de-average the holdings within each ETF. I’m going to have large capital gains next year and I’m looking for ways to offset.

How do people feel about VGAC going for the 23 and me merger? Shares are about $10 now and I’m thinking I might buy in and see where it goes. Thoughts?

Any REIT ETFs that people like?

I told myself I wasn’t going to do it. Re-assured myself I wasn’t going to do it. Told myself you’d know what would happen and still ended up gambling away a bunch of money I know I couldn’t blow. I don’t understand.

Anyone have fee based fiduciary financial advisors they’d recommend? TIA!

Associates - Care to share your rough budgets (income, spousal income/family support, rent, monthly spending, student loan payments, savings, etc.)?

It’s been an interesting 24 hours. So, you know I got out of the VIX Puts at 26 with a small loss. I bought a few DIA July 15 calls at the low at a 309 strike .13 so I did better than I would. Trading the technicals now with DIA and C Puts.

Which service(s) do you use and can recommend to send money to India?

25 and a year into having a brokerage account. How does one build a strong portfolio? I’m currently doing well based on stock picks but understand that it’s really just luck based on this rollercoaster year. Holding for the LT

EY folks - how do I increase my firm group life insurance coverage (not the group universal / variable policy)? My wife’s coverage is at like 3x my salary but mine is only at 1x my starting salary from 5 years ago…

Looking for an investment advisor who is 1) a fiduciary 2) has a CFA/CFP/CPA or some combination thereof. No exceptions. DC/Baltimore area.
TIA.

Hi all! Can I open a bank account in India when I’m physically not in India?

Have a big upcoming international trip and trying to choose between the Marriott convoy boundless credit card or the chase sapphire preferred card to not have foreign transaction fees. Anyone have any experience with either and can help tip the scales one way or another?

Folks, investing newbie here. Planning on using the Bogleheads recommended 3 fund portfolio. Opened a tIRA with Fidelity and have been reading about their 4 fund portfolio which is in line with Bogleheads.
Question: I'm looking for a step by step video on how to go about selecting investment options. As a newbie, I know what I want to invest in, but I'm not sure how to do it. Any tutorial videos that walk you through the process? E.g.- click here to select, click there to confirm.

I love that my 401k gets $200 in dividends every quarter

Has your firm restored your pay? Is it worth considering jumping to another firm that is going to pay you what you’re worth? Don’t know about the rest of you, by my student loan interest rates aren’t getting any lower.

Lived in Texas (no state income tax) all last year but continued to pay DC taxes. Got $23k back from DC in taxes. I love Texas. 4th year.

How t save tax for 9 lpa salary. Can anybody help me out.

Has anyone rented office space over the last year so that you didn't have to be stuck in your home all day? Was it worth it, or did you just feel lonely there?

What is typical compensation for junior / mid level investment staff at VC firms?

Hi background in audit and soc compliance now working for a non-public firm but delivering support to the auditors. Being that I am new I am still learning all the processes however cannot find a single process narrative. In order to better my experience performance I have attempted to find some type of structure.
Nothing is compliant…..

Would you send over a file for review with your name on it when told for job security or respect yourself and understand why first

anybody joined the Altimetrik. how is the company?

Anyone ever heard of HRU? I need some reviews on this company

Anything you wish you did 1-2 years before going to b school to help pay for the cost? (E.g., 529)

I am looking to buy my first property soon - preferably new constructions (anything except condos) anywhere in Ontario/Canada. Any suggestions where I can turn to find new construction projects? I understand I need an agent. Until I find a good one, I am looking at the houses myself. Any suggestions where I can get information about new projects happening in the province?

Girl I was seeing 6 months ago went suddenly cold and blocked me off all socials saying she wasn’t ready etc. Now she’s tried to follow me on insta out of the blue. It hurt at the time and so has opened a bit of a wound. A bit confused as to what she might want?

People whose spouses work in time consuming jobs like doctors and lawyers how the eff do you tend to your home life? My kitchen looks like an animal attacked it.

I’m a rebellious teenager trapped in a 30-year old woman’s body

What’s it like being a senior in-house corporate attorney in biotech or tech? Is the work interesting or is it mainly just reviewing contracts and admin/CYA work for biz folks?

Hello please can I find Victoria’s boot camp I keep hearing about this being great to study for shrm exam but I can’t find it anywhere thank you

What’s your game plan post-MBA?

Any white/Asian males get into a T15 school like Johnson/Tepper/Georgetown etc with a sub 320 GRE?

I’m stuck at a transitional point in my career where I can’t figure out a direction that I feel excited about. Does anyone have resources, books, career coaches, etc. that may help me find clarity?

What's the dress code, is it strictly formal or smart casuals.

I joined Persistent in April 2021, I got a mail for Persistent top talent this Friday
Anyone knows what that is? Also how is it awarded ?
Designation is Engineering Lead, experience 5.5 yrs

Is there any realistic way where tipping in the US goes away and we start to be like other countries (e.g. Europe/Asia)? Raise the price of the food, pay servers a fair wage, no tips? Just a dream 😅

I'm guessing no because businesses will fight hard against this (customers subsidize wages) and certain servers benefit from tipping as well.

Only other thing I can think of is if everyone collectively decides not to ever tip again and it forces business to change. Won't happen though.

Is there any website to get a template for decent/basic contracts (i.e. leases, purchase agreements, partnership agreements)? I want a base to start, without having to sign up for a free trial and then get hit with a bill when I forget to cancel...

Hi everyone! I’m a young professional right out of college getting into investing and personal finance management. Trying to better understand and educate myself on personal finance and investment strategies. Can someone recommend some recourses (books, podcasts, experts to follow, etc.) where it’s clearly explained for beginners? Trying to make sense of 401Ks, Roth IRAs, emergency funds etc.
Like I’m looking for someone like Dave Ramsey but for investment and money management advice.

With rates going up, is now a good time to start a CD ladder?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

My company uses ADP for retirement. It has a contribution allocation for just 401k and roth 401k. If I wanted to contribute to a traditional IRA does it need to be through ADP and if so how is that done?

Long term recommendations for ETFs buying in now? QQQ and VTI? Recommend any of the blue chips?

Anyone have experience with Donut app? And their 4% APY? Had any issues pulling money back out? Whats the risk here?

Can the $7k HSA limit be for myself + kids, or does it have to be myself + SO + kids?

Thoughts on buying into Wells Fargo now, at their 52 week low basically.. Bank too big to fail of course and their imposed caps on grown expire in a year or 2 I believe with regards to how much $$$ they can lend out or take in...

If you were to buy only one, ARKW or ARKK and why?

If planning to buy my first home in next 1-2 years, what should I be doing now leading up to the purchase e.g. things to boost credit score?

I've been allocating 100% of my Roth IRA funds to Vanguards target retirement fund 20XX. Should I keep doing this or do I need to start getting into VTI/VOO/VTSAX as everyone in this bowl is so fond of?

Combined outstanding student loans for me and spouse $$70k.
Do you recommend pay down quickly a la Dave Ramsey, pay minimums and invest the rest, hold out hope for student loan forgiveness or something else?

Additional context - own a home in suburbs (2.15% rate, 255k outstanding, and a few 0% loans for couch, computer, Home Depot, 1 child in daycare

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

Looking to put 10k into ibonds (maybe another 10k next year but not sure yet). Is treasury site easy enough to use? I initially stayed away because I heard it's awful but if set up is doable then I'll reconsider.

Also, should you have a separate emergency fund until you can withdraw your ibonds? Can't withdraw if you have an emergency in the next 12 months.

Reached theoretical financial freedom (4% of networth covers 120% of my yearly spending)
What should I do?
-Motivation to grind at BCG is not here anymore and honestly the experience here was underwhelming (~1y as a C, lateralled from other firm)
-Still too risky to open own lifestyle business
-Option to exit to industry for a few years at a 9-6 job?
-Option to do some side hustles?

Anything I should consider when making my decision? Any risks I haven't foreseen?

Thanks!

I know there is no black & white answer, but what’s your thought process in deciding when to sell and keep the profit?

At what point do you pull out money from stocks to buy your first home. Stocks seem to keep going up but I guess so does housing but how do you know you're making the right adjustment in overall portfolio allocation?