Anyone here over 70% in VOO or VTI? Is that a smart move for less-involved investor?

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Totally fine to be the benchmark everyone compares to.

Couple of elements depending on when you want the money, emergency funds, retirement, financial goals etc but it’s a solid place to start.

likefunny

Right now it’s spread to other ETFs and a few banks I invested in in the COVID dip (happily sitting on some 18% and 27% unrealized gains from these banks) - im in Canada so I’m invested in GEQT and VFV and a little in cyber security ETF and VGRO. But just started last year.

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100 percent VTI cuz I have no idea what I’m doing lol

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6% return which is better than the 0% when it was stashed in my savings account!

80% VTSAX / 20% cash

So far, so good.

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I’m a bit more aggressive.
40% VTCLX (tax advantaged cap appr - like VTSAX)
5% FSPTX (tech growth index)
30% VIGAX (growth)
10% VTSAX
10% ESPP
5% ETH/BTC combo that I’ve had for 5yrs

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I am a lazy investor. I invest in index funds and forget about it.

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I manage my parents and sibling’s finances. I have their investments in 70% VTI and 30% QQQM or something similar since investment options in 401(k) differ. I personally have it split by 25% VTI, 25% QQQM, and 50% crypto because my risk tolerance and time to manage is higher.

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Related Posts

Alteryx stock - thoughts on the company as a longterm investment?

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Is it typical for in-house pharma roles to offer pensions?

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From stocks to crypto to NFT, which is the next big investment opportunity where we could be the early movers (investors) and make great returns? Love to hear them.

I want to buy a new home and then sell my current home after we are moved out. Current home is a VA loan, is there any way to buy the second house on a VA loan?

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Pre-tax 401(k) or after-tax...thoughts?

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How to change bank account to receive salry I currently have HDFC want to change it AXIS

Is blockfi only a bank and not really investing in crypto?

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I’m applying to some PE funds (currently a BA at a top consultancy). I want to know, assuming I get in, when can I buy myself a Ferrari and a yacht?

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Really hoping to avoid judgment on this post. Has anyone had to sign up for government or state assistance after becoming unemployed? Was the process difficult? I have a young son who's at home with me all day right now and I'm looking for a job that I can work from home, but in the meantime we need to eat and I need to pay my rent. Thanks for any advice.

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Any Boston based MBA students here? Wondering how much to expect for rent if I want to live in Central Square with one roommate.

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Client's budget is around $300K and would like an apartment on the East Coast / New England. Thoughts on if this is realistic?

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Let’s finish this up strong! What are your year-end self development plans?!
We have our last session of the year of our group/guest financial education cycles at our Downtown Toronto office this Saturday. We go through our first financial education session that we talk about basic to higher level of financial information; from saving, investing, risks and returns, registered accounts, etc. There is no cost and no obligation. If you are interested to attend in-person or via Zoom, let me know.

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What motivates you to start or keep up a side gig? Is it just having more income or a specific financial goal?

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It always seemed like real estate was one of the safest things to invest in. Then the crash of ‘09 happened, and the market bounced back for a while. And now we’re in… whatever this is. It just seems surreal.

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What’s an ideal monthly living expense all inclusive in NY/NJ area for a single person? Good to have this data to budget and scale yourself.

likefunny

How are you planning to close education loan for MBA. Is tax saving worth the stress of loan.

Looking for few suggestions for high risk/high return stocks at current level which have potential to double/ triple in next 3-4 years...

likefunny

Recs on good rental insurance? 3 apts in my neighborhood were broken into and I’m looking for a good but not pricey option

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Thoughts on Transfix? Anyone invested?

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What's wrong with SAP stock prices ? It's downfall is from last 5 years!

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Finger Lickin' Good

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What are some high paying companies for the
Mainframe developer with 3 years of experience.

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WWYD?
I exited earlier this year, and my first few months were brutal for a variety of reasons owing to org changes amongst other things. I’m now close to an offer with another company, and feel torn about leaving so soon. Details in comments

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Any reviews about HCL UOB Project work, technology stack and wlb in this project? I have an offer from HCL? Need inputs on the wlb and job security in HCL

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How is John St these days for accounts?

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What are the average age brackets at Big 4 to be a Con, Senior Con, Manager, Senior Manager, Director, Partner? Keen for people’s perspectives.

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Sunlight Financial please refer me
I'm having 3.5 experience in angular + .net core

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Been searching for work for about 2 months now, and I can’t tell what companies are looking for anymore. I have 2+ years as an AE full cycle. And I get rejected left and right. My resume is up to date, I’m applying non stop, what else can I do?

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Hi fishes.. any idea for switch in finance department of any company

What companies easily start gc applications ?

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What’s the best product company in US to go into if looking to exit from consulting? Anyone with similar experience that they would like to share ?

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Hi Everyone - Need some insights. My PERM process was started by company in Feb’22 (currently awaiting wage determination, submitted to DOL in May’22). Its been months and DOL is working on requests from Jan’22. My H1B expires for good in Oct’23 (with all the recapture). Is there any chance I’ll have my PERM completed by then? For those of you who have been through this process, what was the overall timeline like?. Appreciate any insights you can help provide! TY!

Is there any vacancy in IBM Kolkata for ETL Testing /SQL/Visualization for 6 years experience?

Hi,

I am going through psychological stress, mild depression and anxiety issues due to recent workload and have lost all motivation to continue. I am planning to quit but afraid will i get a job post that. What shall i do?

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Getting over heartbreak and having a full time job is torture lol. My boyfriend and I just broke up after almost a year of being together. It was such a beautiful relationship but ultimately he just didn’t love me. I love him so much. My mind knows that I deserve reciprocal love and I’m worthy, but I feel physically ill. My body hurts, my stomach is in knots, my head hurts. How is it that I have to mend a broken heart but also meet my billable hours lmao

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Hi there does anyone know what is the salary estimate for Sr Network Engineer in J.Jill ?

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Additional Posts in FIRE Financial Independence Retire Early

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Can anyone recommend a good fixed income investment that I can add to my ROTH IRA account?

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What is your savings rate for the year?
I am saving 66% of my take home pay and I’m pretty satisfied with it.

likeuplifting

Sooo AMC.. who’s in?

😂

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Is there a definitive guide to cost of living? The obvious cost of living centers (SF, NYC, LA etc.) get covered a lot, but I’m wondering where my city falls. It’s a modest Midwest city with ~100k residents but is a relatively touristy spot. It often feels like a MCOL area but I’m not sure how to adequately judge that, and it would be helpful to know when comparing salaries and the like.

Is anyone else worried about an upcoming market crash, similar to the dot com bubble?

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Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

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Are y’all waiting to do a mega backdoor Roth to see what they do about build back better this year or just moving forward with it?

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Significant other and I crossed the combined $1M net worth mark this quarter! Mostly in RE and 401k so we will not be FIRE-ing but still excited to be in the 7fig club.

Sorry, need someplace to celebrate and you guys are awesome.

likeuplifting

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

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For the past 2-3 years, I have obsessively tracked my net worth/income trends/investment performance over time. I checked my trends just now, and OMG I hit the 300k net worth mark right around Christmas. I guess I haven’t looked at my dashboard for a month. This feels so cool. I want to shout it from the roof! I can’t really brag about this to my friends, so I’m sharing here! 🎉 🎉

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What’s everyone using instead of Robinhood? I just learned of WeBull recently but am not sure it’s for me.

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Feeling grateful & proud as I reached my goal ($50K by 25) 5 months early. But I can’t help feeling a bit overwhelmed. In the lifelong scheme of things, $50K doesn’t seem like much. I worked really hard and sacrificed a lot (including mental health) to get to this but it seems a little tiring knowing I still have so long to go. I recently moved out and in with my BF so my expenses are split, but nonetheless they are still expenses. Any tips on continuing this journey and keeping the drive?

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likehelpfulfunny

FIRE newbie here. Is it possible to reach FIRE with a special needs kid? Has someone done it? Are there any alternatives to fund therapies beside insurance?

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Anyone start later in life? About to turn 32 and my retirement savings are sad.

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Home reno financing question. Have a big project coming up in the $120-150k range. Funding sources are:
- 90k from a heloc around prime
- 10k from a credit card that offers promo checks at 2-3% for 12-18 months
- 375k in a brokerage
- 5-6k per month cash that I can put towards the project, loans, or brokerage

I don't want to stop funding the brokerage because my FIRE plan is less numbers based than "hoard like dragon until it's enough" but maybe I should... How would you optimize?

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This is gonna sound stupid, but I’m honest - I can’t do math. Calculating a tip is as advanced as I get. Thank god for excel formulas and a math savvy husband. At the end of the day, I pay all the bills (I know- but I’m more organized) and make double his salary, what low stress effort (on my limited math capacity brain) can I do to increase wealth?

I feel like I should be doing more with extra money to help us financially, but I’m scared of having to study stocks and understand the numbers. 😖

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I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

What’s a good, practical tax book to read for someone who knows nothing about taxes? I feel like I should familiarize myself with them but don’t know where to start/find the topic very overwhelming and dense even as a finance attorney. Welcome to other beginning finance book suggestions too! (Already read Kiyosaki and Ramsey)

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Should I lump sum $150k into the market or DCA? Just looking to grow the money, no other short term plans.

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