Debate topic: Include emerging / developed market ETFs in portfolio? Emerging markets haven’t outperformed US in 10 years. Benefits of domestic focused portfolio?

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

Feels like diversification with emerging/developed doesn’t protect from downside but can dampen upside

likefunny

I don’t like putting money into any company that I can’t get easy press coverage on to know what’s going on. I’m pretty content on keeping mostly just US stocks and losing potentially some upside for more certainty and transparency

like

Sounds like a good time to buy then. Us is overvalued

No harm in allocating a small percentage to emerging markets, if you really want it. US companies typically have diversification built into their operations. And depending on the ETF, look out for the ER. I wouldn't go anything beyond 0.2%. Even that's 4x as much as a broad market based fund from Vanguard.

Sure you can disagree GS1, and there are others out there I'm sure. Getting an individual to pay more in ER is how fund families make money. The average investor should be always looking to pay the least, because fees and expenses add up. Difference of 0.5% over 20 years adds up to a lot of money.

Related Posts

I hit my FIRE number today at 50yo!!!! Had to tell somebody.

likeuplifting

Maxed my 401k with todays paycheck 🏆 a lonnngg way from FIRE but step by step my friends!

likeuplifting

Why don’t law firms match 401k….? I don’t even feel like putting in a large chunk.

like

Healthcare consulting future - Better to go into the tech space, or focus on strategy/ops?

like

I find myself on maternity leave with a sweet baby that likes to nurse basically all the time. Can you ladies suggest streaming series / podcasts / audiobooks etc? All subjects are fair game. Thank you!

like

Best investment book recommendations?

like

Hi friends! I’m planning on moving in with my long term boyfriend. He makes about 60-70k and I make 105k. Originally I was going to split rent equally but the feminist in me says it should be split based on income. Have you all been in a similar position and what was your decision?

like

Ladies how do you manage your relationship when your spouse holds you to what you promised you would do before you got married but then you realize you can’t do it. I had promised my husband I would fast with him for an entire day on a specific religious holiday, but when I did for the first time I had stomach pains, headache, and nausea. I told him I can’t do it for that long again but he said “we’ll see, you just need to push through”.

like

Healthcare Consulting in Canada: MBB, Big 4 or boutique firms?

likefunny

Any Deloitte fishes out there that have analyzed the health benefit options for Vyvanse coverage? Both me and my daughter take Vyvanse and I have been burned by plan coverage/prescription benefits in the past. I think the PPO plans actually end up cheaper, all other variables removed.

Is the Amex Green the best choice for me (employee at McK) as a corporate card? The points earning looks best. Options are Green, Gold, Plat. Private cards are chase.

like

What is the partner compensation like at BDO? Base/equity as well as pension. I heard there is 5 years as fixed partner and then 10 as variable partner before you can earn pension. Say you make partner at 40, so can’t earn pension til 55. If you retire at 55 does that mean all you have is whatever you’ve contributed to 401k or otherwise saved? Or is there a lifetime salary if you’ve been partner a certain duration?

like

LCSW 50k loan repayment- Has anyone been granted a contract through the National Health Service Corps Loan Repayment Program? I’m interested in applying for the 2 years of full time work as an LCSW but my loans are a bit under 50k so I’m wondering if they would only give me what I need to clear my loans or would I still get 50k as long as I complete my contract ?

I left a great team and high-visibility, high impact project with a client that loved me for a few more $$.

Had I stayed, I would have been festering on comp and constantly worried about my financial future.
Since I've left, I feel financially secure but listless and bored with a lame team on what I've discovered is a skeezy upsell.

Anyone else had to deal with this? Did you boomerang back?

like

What is the firm doing about retention/turnover? Any discussion about improving benefits? 401k match? Pto?

like

I am two years out from my end of enlistment. Is there anything I should be doing now that you wish you had done at this point?

Side details: Family of 4, own a home, no consumer debt other than my home, I am a few classes shy of my MBA (still actively pursuing and will have it by the time I get out), I live near an area with a ton of corporate offices and headquarters.

Thanks for your time and feedback!

like

Hey all! We are looking to add to our retirement plan services team. This is an admin/support role with no sales goals or cold calling. We are a $15b RIA with a $400mm retirement plan book to support. If you know of anyone who may be a good fit, please reach out. Great opportunity for growth! Comp is $75k-90k base with a bonus on top. Great benefits, flex schedule.

like

Tips on analyzing the benefits and risks associated with long-term investments in the stock market? In normal times

like

🐠 from Accenture Germany: what are some of the best corporate benefits at the firm? Do you guys offer discounts on Gym membership or have car lease programs?
Thanks in advance😊

like

Looking for TAS Healthcare experienced Senior Manager looking to build their own team, have a fair amount of autonomy and plenty of PE/corporate buyer clients/referral sources day one

like

More Posts

Does everything we trade through Robinhood need to be reported?

like

I’ve been working on joining the 225 club for a little over a year. 50ish guy weighing 205 here. Got to 215 today doing 1rm, but my trainer didn’t want me to attempt it (215 was definitely a struggle). Will try again next month. Any tips on how to train for a bit of improvement?

likeuplifting

I like to keep my age private (I’m under 30) but it seems like some people around my age don’t care about sharing or think it matters. Any thoughts?

like

To those of you who are stuck outside of US and working from your home country, did your company file any sort of H-1B amendment mentioning your home country address? Or can we work w/o an amendment?

like

Under what circumstances is it justified to quit a well paying, stable, good consulting profession without any future plan? I have a comfortable life but no happiness. Should i jump ship and take the risk of drowning in the hope that I'll learn to swim?

like

Got offered to go to RSM from a big four with a 40% raise and a promotion. I should make manager this round if I stay so promotion isn’t that big of a deal. Should I take it? I’ll have smaller clients, but think I’ll really shine there too. Less work, more pay... I could always go back to my current firm. Thoughts?

likehelpful

How realistic is 140k+ salary for first year Manager in FDD in HCOL at a top 15 firm?

like

_build is > 1000 employees as of now. It needs it's own bowl.

like
like

Open to remote SDR/BDR inbound or outbound.
5 months of Mid Market / Enterprise 100% Outbound SDR experience with telecom and retail background. Any openings or referrals?

like

Yes, I'm a tragic loser reading this on a sat night. But I love our silly industry and would love other great ad book recommendations.

Post Photo
likeuplifting

Hello! I’m actively looking for a new People Operation Manager position, and I’m hoping anyone has leads. I’ve been in HR/People Operations for 5+ years with multiple rapid growth beauty industry brands of 100+ employees. I’ve managed the full employee lifecycle, from recruiting to terminations and everything in between. I’ve also owned the implementations of multiple HRIS systems, from the planning stage to training staff. I have experience with Gusto, BambooHR/Trax Payroll, Paylocity and ADP.

like

Great winter date ideas for NYC? First date, assume that getting drinks can be added onto any idea. Thanks 🔥

like

I was verbally communicated my offer at Citi on Monday, 11th July, and hr said he will send the offer letter by the end of the week..when I enquired today he said approvals are taking time and he’s on it..how much time does it usually take at citi to release offer letter?

like

PwCers - Does anyone know if the Wealth Builder Plan can later be rolled into your employer's 401(k) plan when you switch jobs?

like

Anybody on here have a problem with a partner in that he seems to be a bit obsessed with you? I work at a smaller firm so there's no HR, but the guy keeps on hitting on me and telling me I'm (cont)

Has anyone been termed for performance?

Is there any difference in salary between Deloitte and KPMG? Just curious. Thinking to move to KPMG

likesmart

Any market considerations before refinancing my student loan with current rates? They’re giving me a .75-1% drop.

It’s worth it to refinance at this rate to save paying $1000 of interest albeit credit gets hurt. My only concern is missing out on inevitable lower rates forthcoming.

like

Additional Posts in Personal Investment Chatter

Looking to open a Roth IRA. A bit worried about where to invest my money given independence restrictions (work in NYC office). Any recommendations to what funds to invest in?

like

On personal Capital, how many of you add the value of your car to your net worth

like

Well. ARKK is back.

likefunny

Should be close to breakeven after todays market gains (Invested around 60k during early days of market decline). How many of you are thinking about pulling money out today?

like

I max out all tax-advantages accounts and put 30% of my take home into an index fund. What/where else can I invest in?

like

Curious for some advice…

I currently have a Cap One Venture card. I have had it for a couple of years now but I am interested in upgrading to a Venture X card.

No promotion has been offered to me to upgrade my existing Venture card to a Venture X card.

Should I wait until that promotion is offered to me? Or would it be dumb to apply for a Venture X card separately and a) hold both cards or b) close out the original Venture card.

like

Are there any ETFs for blockchain companies?

like

Are there any circumstances in which the giftee would pay to gift tax? I thought no, but I am now hearing there are situations where that would be the case. Can anyone with experience clarify?

like

If you have a side gig/small company that you run while working as a consultant, how much extra compensation does that bring you in each year, on average?

like

Has anyone invested in real estate using Lofty AI or PocketProperties? It seems like a good way to dip my toes into real estate - the minimum amount is $10-50 and I would benefit from receiving rent payments proportional to ownership and appreciation in value.

like

What are some ways you guys earn passive income (other than stock market) ?!

like

Am I too late to buy a house now? Sitting on 300k of cash equivalents and want to use that as a down payment. Is there even a tiny hope for market correction in near term ?

like

what’s the most you’ve spent on brunch 🤣

funnylike

Blue Prism stock ($BPRMF) on the rise again, with seemingly nothing but good press. Does anyone have insight or a feel on the company’s prospects/plans for 2019?

like

Any great personal finance/investment books to read? Or even YouTubers/Podcasters

Really looking into expanding my investment horizons — particularly about learning about how to allocate my investment portfolio. Also, always nice to learn about better ways to save and cutback.

like

I’m 26 and I have a negative net worth (thanks, student loans, and frivolous spending from the age of 21-24!). I paid down my CC debt recently, but now I’m staring at another $49k in student loans. I am trying to tackle it as much as I can while simultaneously investing in my 401k and brokerage, but I feel a bit beaten down sometimes. Has anyone else here experienced similar circumstances? I love reading the success stories on here, but sometimes it makes me kind of sad about my life 😥

like

What is a good alternative to Robinhood that can connect with Mint? E-Trade? Interactive Broker? I’ll mostly be trading ETFs with low frequency. I use Mint to track all other accounts so prefer the trading app to be linked. Thanks!

like

About to get a payout from a legal settlement ($300k-$500k). How would you invest it or what would you do with this money if you got a payout like this? My goal is to build exponential wealth, but would love everyone’s thoughts even if it has nothing to do with investing! (I’m 25, not married, no kids, have about $240k in student loans, and no savings)

like

How are you all treating your 401Ks? Are you just letting it sit there or are you reallocating?

like

What ETFs, index funds do you all invest in and what u recommend in this recession looking like economy. I'm a beginner investor. Just opened my fidelity brokerage account.

like

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

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

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