Any advice will be appreciated.

I have a six-figure amount in HYSA earning only 4.1% (just slightly above inflation). I was looking at investing VOO ETFs, but I wasn't sure what the risk/returns would be compared to a VOO mutual fund. Goal is to get >7% returns outside of HYSA.

Extra info:

No debt except monthly credit card bills.

401K investing is separate and cuts out of monthly salary.

Assume no upcoming future expenses and the stated amount needs to be relatively liquid.

like
Posting as :
works at
You are currently posting as works at

I'll take the risk for this growth over 4.1%. I invest for the long term. Got absolutely destroyed in 2008 and I held strong with picking up even more positions.

In the long term investments such as VOO are tried and true. There will be bumps, but you've got to persevere.

Post Photo
like

PS - Not willing to take undue risks with new financial instruments. Just looking for tried and tested advice. There is a plan to buy property next year, but that is outside of this scope. Single, no kids.

like

VOO mutual fund (which technically won’t be VOO) and VOO ETF are going to be 99.99% the same. Especially in a tax free account.

like

Related Posts

Anyone in Aurora, CO area? We are shifting next year, desperately need some daycare related advice. Can’t travel in person right now, and on paper most daycares look good.

like

Hi 🐠. I have a sibling that recently emigrated to Toronto and trying to land into healthcare consulting. Her background: MD degree, PhD in public health and currently doing diploma in cybersecurity. All of her degrees are from Asia. She has mostly spent her career as an academic in Asia and has extensive research and publications in public health. Any suggestions on what types of opportunities exist for her in Toronto?

like

How is the job security at Delta Air Lines ?
Do they layoff frequently?

HR had mentioned there were no layoffs at tech during the pandemic.

like
like

How bad is Frontier?

Does Accenture have a policy to pay for spouse dependent visa?

like

I am in need of some advice I have a bachelors in healthcare administration. My long term goal would be a CEO of a hospital. I am looking at masters programs and need some advice as what to get my masters in. I could get my masters in healthcare administration but would like to look at something a little different maybe healthcare leadership or something. Anyone have some advice?

like

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

like

For those of us working with Healthcare clients or in Healthcare, what can we start doing to accelerate healthy change in the industry. It seems like so many people need support and guidance with OCM.

Do you use a series LLC for real estate holdings? Why or why not?

like

Best perks/benefits of working at Google?

like

Marriott Stanton or Cadillac hotel? In Miami for one night/day so ideally want to be in walking distance to good food, bars, and the beach.

like

Is anyone concerned the push for sexual equality in pay without accordant leveling of parental leave is gonna backfire?

Here’s a hypothetical:

A company has 2 candidates, aged 25-30, equal in every respect save one’s a man the other’s a woman. Maybe the woman is a slightly better candidate overall. They’d have equal comp.

Company considers the woman a riskier bet due to possibility she’ll take maternity leave — and considers the man less risky for his ineligibility to take as much leave. 🤷

likefunny

Does Visa Inc typically offer sign on bonuses with roles?

like

Are all large healthcare provider organizations (big health systems) messed up? In terms of poor senior leadership, no accountability, poor support to their leaders, mismanaged, etc.

like

Anyone finding it harder getting managed money biz? If so, what changes or adjustments have you made in prospecting or sales approach? Thanks.

like
like

In BNP Paribas CIB what all benefits we hav as employee

I have just immigrated to worth, Illinois from the Middle East. I have 6+ years of experience (proofed by a certificate) from Four Seasons Hotel Amman. Can anyone recommend a 5 stars hotel with front desk supervisor vacancy?

like

More Posts

How many companies come to PwC for react/ frontend development? This is my first time in Service based company and its been only one month since I am here. Will I have to sit on the bench for long?

like

Let’s move out of NYC SF together lol . Maybe try LA ?

like

Every once in a while I remember how utterly incompetent Trump was and it's just shocking.

Post Photo
likesmart

Are new recruits eligible for mobile phone reimbursement within one month of joining? I understand that it needs to be configured first.

like

Partners, what is your advice to folks who are currently on bench on how to best utilize their time and what value add activities (personal/professional) that they can/should do.

like

Worst part about being unemployed is the pity face everyone makes when you tell them. If I hear one more "don't worry you'll find something soon" I'm going to scream. Trying to be helpful is one thing but pitying me helps no one and makes me uncomfortable.

like

Anyone recently joined Optum in India? Did you receive welcome gift?

Anybody go from agency-side to working at an ad tech company? What’s it like?

like

Expecting an offer today from Deloitte consulting (commercial). Would love to hear tips and advice on how to react to the call and negotiate/what to negotiate more for. I was laid off back in the fall and will 100 percent take the offer - super excited!! But don’t want to show my emotions. TIA

like

Looking for flat (2bhk/1.5 bhk ) near Marathahalli and around.

Budget: 15-20k.

like

Any good personal finance resources for new grads? How to choose a savings account, how much to invest, etc.

like

I think I'm really bad at communication, storytelling, active listening etc. I'm good at 1-1 relationships, but really bad in 1-many scenarios. I just sound stupid often. Feel like I'm surrounded by people who communicate so much better. Has anyone improved their comms skills as they progressed in their careers? Any tips or courses that helped you on the way?

like

Hello fishes, I'm serving my 15 days notice and an immediate joiner, I'd appreciate if anyone can refer me to a DevOps or an SRE role.

like

How did you get into tech recruiting, and are you happy with it?

likehelpful

Thoughts on the Heuer Monaco? Never been a fan of Tags but the Monaco is a looker! Any ideas where to get one?

like

So who else here is experiencing plummeting billable hours and exponential weight gain since this whole WFH thing started? Bought snacks for 30 days, finished in 48 hours.

likefunnysmart

Hi ,
Got 12.25 LPA offer from hashedin by Deloitte.
Fixed 10.5L, performance variable bonus 1.75L ,
How much in hand salary I would get any idea?

My new job occasionally requires me to review vendor agreements. I don’t have any background in this area and am trying to get up to speed. My department doesn’t have a document management system, so it’s tough to find old agreements as precedent. Any recommendations for books or other sources - or any words of wisdom? Thanks!

like

I’m entering salary negotiations at a Fortune 500 company and am looking for trustworthy resources for salary data that I can share with the company if they ask where I got my numbers. I know Glassdoor, but what else?

like

Recommendations for a wfh office chair? Preferably on the lower end of the range with good height.

like

Additional Posts in Personal Finance Bowl

Newly minted consultant here looking for financial advice.

So I just moved to consulting after B school, and It's more money than I've made my entire life. After paying for rent and living expenses, I have 6000$ left over every month. My student loan payments are about 1200/month at 7% interest. I still owe another 95K on my loan. I have the option to pay more every month and reduce my overall interest paid.
Currently I put about 3000 towards my loan and 3000 towards my savings. Cont'd...

like

I am 25 years old with roughly no savings. I am a consultant with a technical background. Are there any tips in side jobs/ways to make more money for savings?

like

My boyfriend and I make 200K combined and live in NJ. We have $1000 in monthly car payments combined. That’s all we owe. Our credit scores are in the 800s. We have 50K to put down on a home. We have done the math and I know we can afford much more but he doesn’t want to buy more than a 400K home. I’m almost positive we can afford 500K and be more than ok. But then he starts to talk about how much kids cost and how we will be house poor and we won’t be able to afford kids. 🤔 Am I insane??

like

I make 135k gross/year & am looking at apartments in a tier 2 city. 2k for a 1 bedroom or 3k for a 2 bedroom? I’ll be working from home and living by myself & a pup. The hesitancy is 3k is basically one of my paychecks after taxes. I live frugally otherwise with the exception of eating at a nice restaurant once a week. Is a two bedroom worth it?

like

Have about 5k to invest - should I do FXAIX or FSKAX?

like

accountant said he needs my IRS pin to e-file. Can anyone confirm this is legit?

like

Paid off my account debt!

like

I have a LOT of credit card debt. It has just grown over time and I can’t find my way out. I’m considering debt consolidation, specifically a company called National Debt Relief which seems legit but I’m just so hesitant because I’m scared to make my situation worse. Or a personal loan to pay off all the CC debt and then have a smaller all in one payment. I’m intelligent and I work in finance, it’s so embarrassing. HELP.

like

What's the best 529plan? Heard Vanguard Nevada plan is popular due to low fee, or NY state one gives tax benefits upto $10k (but not sure if it matters for NJ residents working in NYC). What's the criteria for deciding 529?

like

My dad stole my identity a couple
years back and tanked my credit score
- brought it down to like 400. I've
been working towards fixing it so that
my boyfriend and I can buy a house in
the next year or so. This morning, I
checked my score after not looking at
it for a while and I'm in the mid 600s!
Y'all don't know how happy I am
about this lol

uplifting

In your opinion which is the best target fund to choose in IRA Roth?

For those of you that currently pay 30% of gross income towards rent, do you still have money to save? I’m moving to NYC and am used to paying only 15%. Pay is now 125k base so I’m looking for apartments around 2800-3k

like

Vanguard Digital Advisor ( 4 ETFs, 0.15% fee) vs HSBC Financial Advisor (15-20 funds, 1.5% fee) which one to go for nest egg growth 100k starting

I stopped contributing to my 401K for the last three months in order to pay off credit card debt. I am 28 and have about 68K in my 401K. Was this a smart decision? I want to get out of debt as quickly as possible and I have no student loans or car debt.

like

I'm a long time user of mvelopes budgeting software, and we just got a notice that they're shutting the platform down at the end of the year.

Looking for a recommendation for an "envelope based" replacement. They suggested Every Dollar, but it doesn't handle credit cards well.

like

How to choose which financial advisor to work with.
I have no financial experience and an advisor reached out from equitable.

What's a good percentage (they're offering 2% as a fee)

like

Google stock to buy now or after the split?

like

Best ETF to invest in? I’m 24 looking to invest about $50k and don’t know where to put it. Nothing that’s super high cost or risky please

like

Debating between a few travel cards and need some opinions. Debating between Capital One Venture, Venture X and Amex Green card.

Live in a non major city with an international airport, but need to be flexible to different airlines. Which of those cards, or other cards out there, would be best

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
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

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation 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