Best DCA strategy for entering the market? Should I just be doing this for index funds?

Recently got a massive bump in pay and a large bonus. Was previously putting savings into BlockFi, crypto and individual stocks, but probably a bad idea to do that long term.

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Just figure out how much you can afford contribute each month and dump that amount into your preferred Total Market index (VTI, FSKAX, etc.) fund each month.

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If you’re leaving it in there for the long haul just dump it all in. Historically it’s worse to miss the big up days than it is to miss the down days. It’s entirely possible that after the bad correction (that may or may not happen) the market might still be a higher price than the price today.

No advice, but congrats! 🍾

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I dropped 50K and silk do 15K each month for next six months.

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VTSAX, VBIAX, VWUSX, FBGRX, TRBCX, CPOAX, PRGFX

Related Posts

ACDs in tech, what are your salary ranges if you live outside of SF + what city are you in? I’m in SF (big tech co) and given covid, been thinking about leaving but curious what numbers I would be looking at in Seattle vs LA or other cities with tech companies. Thank you!

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I once asked a colleague at a radio company how much he's paid monthly, and he outright refused to tell me. In fact, he found it very odd that I asked. I later learned that he was making double my salary. I know it's not an employee's job to fix pay inequity by sharing their salary figures, but I'm still of the opinion that it helps uncover pay gaps. But do you think it's wise to do so at the risk of damaging your work environment or the whole thing backfiring on you? Thoughts are welcome.

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BOS —> ATL

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Anybody else quiet quitting just until Christmas bonus time?

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Seeing how 401k’s, ira’s etc..are mostly based in stocks. What happens if we have another Great Depression and the stock market crash’s. Even if you have Real estate investments, if ppl can’t pay rent like with Corona, that’s not really helpful. So what are other ways in addition to those mentioned is there to help secure you into old age? 

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I had my kind of hr round with TCS
They did not have a detailed discussion regarding the compensation .
But they told i will be getting link for uploading documents and then hr would be discussing for compensation.
Its been 2 days. No update. Can anyone guide. Why 2 hr rounds ? N how much time it takes?

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What should a commercial claims account manager be making as a salary ? Handles asbestos claims only. Works for a TPA handling claims for 4 carriers. Law degree with many years trial experience as in house ID but for personal lines. This is first job handling commercial claims

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I'm thinking about starting with a new company. I'm a commercial workers compensation underwriter with almost 3 years of experience. I currently make around 38k but I'm hearing that this is low for the market. Thinking about going to Travlers or Hartford. Anyone have experience there? What was your salary?

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What’s the general guidance on the order to maximize retirement contributions for tax benefits for an normal individual and for a self employed/small business owner before moving to taxable accounts or alternate vehicles like cash value life policies?
I’ve seen for individual: match trad 401k->match roth 401k->max roth IRA->max trad IRA->max trad 401k->max roth 401k->max HSA
For self employed: max SEP IRA/solo 401k->max roth IRA->max trad IRA->max HSA

Of course situations differ but in general?

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IBM salaries?
Band/exec level:
Salary:
Stock:
Other benefits:

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Whelp, GroupM just suspended 401K matching, from May 1st till the end of the year...

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Hi Guys,

Please help me to understand my in hand salary as per below break-up....

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When negotiating a sign on bonus with a new firm based on the fact that you were anticipating a bonus for that fiscal year and are leaving before that is paid out, do you have to do anything to prove you would have actually received a bonus/the amount of bonus you would have received?

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115 base comp
15k quarterly bonus
130 TC
3-5 years experience Marketing Manager
I feel like this is low — what are some comparable TC packages?

What is a good salary for a non-tech client-facing director role at a Series B company?

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Currently an associate at a V30 and negotiating a partnership position at another V30. What is the correct way to maximize the pay in the negotiation as a lateral partner? I’m afraid of settling at a lower price than what they can do at the top end of the range! Do I anchor by asking for an outrageous figure or let them offer a salary figure first?

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Which is better to join between IBM and Deloitte India? IBM giving band of 6B with salary 11.5lpa fixed and 1LPA JB Deloitte india giving the designation of Consultant with salary 13lpa fixed and 1.3 lpa valiable Tech stack : Front end Developer Reactjs YoE : 3.5 years Please help me to decide as i have heard there is no WLB in deloitte Big4 IBM Deloitte IBM

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Got Differentiating rating and progressed from senior 2 to senior 3 in business consulting. How much hike and bonus I can expect?

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Hi fishes
I got an offer from Accenture today night
Fixed 6.5 for management level 11
Can someone please help me is it a fair offer?
And there is no any discussion happened with me regarding salary
Please help me

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What’s a good salary range in the dmv area for someone with 2 YOE in analytics and a TS/SCI w/ poly?

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More Posts

How are you all doing? Here's a thought to get some of us chatting again:

In an increasingly hybrid/remote working culture, how do you educate and convince your business stakeholders to not do info overloads with emails? The risk of people not being aware is there but sending separate emails for every sub-program, webinar is annoying (as a receipent) I understand employee perspective.

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How do you write a good script? Where do you start?

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Is a System engineer role better than DevOps role?

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Anyone else confused by the digital CRT process?!

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Hi Accenture people,
I have interview in Accenture today for Program/Project Management practitioner.
Any tips about Accenture interview process ??
It will be highly appreciated.

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What curriculum does your district use?

Going on a parental leave in a month. Anyone know of any remote, freelance/part time I can do to still make money on the side? Out side of Uber/Lyft etc

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Anyone in NYC this Thursday eve? Looking to go out and have a fun time. Tips/companions welcome :)

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Finally got my green card approved and it’s on the way in the mail!

likeupliftingfunny

How did you ask for green card upon receiving H1B? I am a H1B holder thinking about asking my employer to sponsor my green card (same employer who sponsored my H1B). Curious to hear how others with similar experience have managed such conversations!

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KPMG India Hello Sharks,
What is the package range being offered to SAP MM consultants having around 5 years of Exp..Any leads will be highly appreciated..KPMG India KPMG Cognizant PwC EY

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Is exp hiring easier than through college/mba? I assume there might be less competition but more self selection and less spots

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Any insight into potential salary range for a Wealth Brokerage Trader at Truist located in Charlotte NC?

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Anyone know post resignation process of Deutsche Bank ?

When is FnF settled and experience letter is received?

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Anyone currently work at Siemens PTI? Considering a jump so was curious if anyone had any insights on Work Life Balance, type of work, etc.

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Bain & Company What is the likelihood of getting an offer at MBB consulting firms as a GCC National with Western education? Job is in Riyadh. Are the chances higher than elsewhere?Boston Consulting Group Bain & Company McKinsey & Company

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I am a UX designer who has completed a Google certification program along with a resume and professional portfolio. However, I’ve struggled to find a job (remote). Any advice or resources I could use? Or are there any employers currently hiring and are interested? I’d be happy to hear from you.

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Additional Posts in Personal Investment Chatter

Fidelity, who asked for this?

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Thinking of moving $10,000 out of savings into a Vanguard mutual fund. Any recommendations for allocations? This $10,000 would most likely be used as part of a house down payment in the next 5-6 years

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Does the $20,500 pre-tax 401k contribution limit include employer match? I.e. My contribution + Employer 6% match = $20,500? I know that the combined employer/employee contribution limit is around $60k, but from my understanding that ends up being due to after tax contributions. Apologies if this has been answered before - thanks!

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Starting to think it’s all a scam. Everyone knew tomorrow would be a bad day for the market... and bam... Gilead announces. = rally tomorrow!!! Ride the waves, my friends 🤣 THOUGHTS???

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31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

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I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

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Looking to sale majority of my holdings in next bear market rally. Does folks who do tech analysis think we have started one from Friday. Want to sale as much before we get another brutal sale-off before mid terms.

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Want to buy a house in bay area? Is this a good time? Thoughts?

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How are you all determining the future cost of college and target levels of investment for 529 accounts? Having a hard time seeing how 100k for college in 15 years is realistic. Also don't know the right level of savings to target (50%? More?).

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For those of you invested primary in index funds, do you have a combination you'd recommend? I'm 31yrs and currently have about $400k invested in a few stocks, mutual funds and ETFs. I think I want to start shifting everything towards ETFs to keep things simple and just let it build value. Thoughts?

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My husband and I have saved up about $80K and it’s just sitting in our bank account. We thought we were going to buy a townhome but with the crazy inflated prices we decided not to since we like where we live currently (location could not be better and rent is crazy cheap at only $700 a month). How should we invest our money in the meantime while we save up for a house?

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Earning 82k. Putting 11% in traditional and 5% Roth. Am i doing it the other day around.? Can you please help me with the general consensus or a suggestion from your end?

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Want to start saving/investing from this year. Got £11K and will have £2K a month to invest - any recommendations? I don’t want to take crazy risks, somewhere where this is steady long term growth. Have already maxed out pension and I assume next step is maxing out ISA? After that, what is best? (From UK)

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New start coming out of undergrad - other than maxing out 401k contribution to 18.5k in the year, what other low hanging fruit should I get? (I.e. I’ve heard of a Roth ira but not sure what it is)

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I just heard recently that if you refinance and your house appraises at 20% more than the amount owed, you can remove PMI. Is this correct? Getting a divorce and trying to keep the house but moving from a VA to a traditional loan and would rather not pay PMI if I don’t have to. House was purchased for $460k no money down (VA loan), refinanced at $450k to lower payments $400/month, now have $430k left on the loan... would it have to appraise for $516k?

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Tempted to buy DAL! Pros/cons?

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Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Is it financially irresponsible to buy a home that requires you to divert what you’re currently saving / investing monthly to pay the mortgage?

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I started a small LLC on the side. My company is getting it's first client this month.

Wondering if any 🐟 have recommended resources on setting up initial consulting business thru an LLC.

Books, websites, tax strategies etc.

My LLC is already incorporated, but looking for guidance with the next steps (creating contracts, invoices, etc)

likeuplifting

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