Enrolling in fidelity 401k. Thinking I’ll just do 50/50 Vanguard Russell value/growth. Yay or nay? I don’t see a total market option

Also-having trouble deciding between Roth and traditional. Selected Roth but is there a salary at which read is better?

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

What is your tax bracket now vs your best guess in retirement? No way to know so possibly a split between Roth and traditional makes sense? What are your 401k options? If no total market is there an SP 500? Do you want any international, if so is there a good fund for that?

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24% tax bracket

Nay. Just do 💯 in a single fund. Use the closest thing to a total stock index fund. Ideally VTSAX or FSKAX. If those aren’t available, then just do the S&P.

Growth and value funds are dumb. The way they define those companies make no sense. For example P/B is completely meaningless and yet it is used to select companies? Only a dumb finance PHD would come up with that in the modern day.

401k plans use a lot of trusts now. I believe that are cheaper to administer than mutual funds. It should perform exactly the same.

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I am a Registered Respiratory Therapist with 5 years of experience in an acute care setting. I, also, have a bachelor’s in healthcare administration. I use EPIC at work everyday and I am interested in working as an EPIC analyst. I have applied at my facility numerous times for these positions with no luck. What advice would you all give for getting into this position? Also, do you know any remote positions available that I could apply to outside of the facility I’m currently at? Thanks!

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Does anyone have any good mortgage broker recommendations that will help find a way to not pay PMI?

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Looking to buy Rolex OP. Thoughts on new vs used? Is the additional ~2k worth it for new?

Looking to pivot out of a top pharma marketing/ad agency and into consulting. Ultimately want to leverage both experiences to move client side or to a healthcare start up.

What are the best firms for this type of transition and why?

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For the Auditors out there. How are yall auditing PPP loans for nonprofits? Should they be recording them as revenue?

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Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

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Hey fishes, can someone tell me how the 80c bracket works, i know i can get exempt upto 1.5lakh under it, what i wanna know is does PF comes under it or not? For example if my yearly pf deduction is 20k and VPF is 10k so now will i still be able to show investment of 1.5lakh under 80c apart from PF and VPF or i'll be able to get exemption on only 1.2 lakh( 1.5lakh-30k= 1.2lakh)?

Thank you in advance!!

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Just purchased a 2021 BMW S1000XR. $27.5K otd. 🤡

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Hi do you interview from time to time just to check what’s your market worth?

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I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

like

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

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Best way to use Amex Concierge? First time with so not sure what best practices are (do I need to do research ahead of time or are they basically like a personalized travel agency)

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Dear All,
I am seeking suggestion, Recently started fishing business.
Presently nothing is on paper and it done same as farming… catching and selling locally in market, We have also employed 26 people to work on trawler for fishing.
Is there any way to register firm to take some investments from market/banks

Who is getting into NFT? Friends recently just printing money like the fed on this. Willing to risk a few thousand. You all ?

likefunny

If I sell my ether on Coinbase for cash, how quickly can I direct deposit it into my bank?

Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

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Does anyone feel burned out from healthcare from this past year? I straddle tech trans and do procurement/manage the research department of a health system. Is it just me or do health systems compensate less? If I'm going to have to work long hours - I might as well get paid more going the private sector/tech company route.

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I do general transactional work but really want to get into healthcare. How can I make this happen?

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Hi All,
Need some information
HCL vs WIPRO which one is better as per Salesforce practice and other employee benefits?

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Can I receive rent on H1? How can that be accounted towards the end of the FY?

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Hi please advise

can join client organisation; will their be any conflicts with current company?

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I am on bench from 1 nov 2022. I am PA.

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Does anyone have experience working for a ALSP? How does compensation work (pay and benefits)? Are you an employee or technically an IC? Do you have billable requirements like at a firm? How do you think it prepared you to potentially move in house? I'm currently at a firm but thinking of taking a position with an ALSP but my goal is to go in house.

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Is it common to need to do a mock case presentation for an entry level/early career interview?

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Anyone joining PwC AC Banglore on 6th September?
Have you got any mail for a laptop or any onboarding details?

Interesting. Let’s see if the uptick In cases continues to drive an uptick in hospitalizations and then in fatalities. Depends on how many of the cases are incidental or in very young people not prone to severe cases. But either way, look at the hospital capacity utilization figures! This is the untold story. Were we bending the curve to avoid unnecessary deaths due to overcrowded hospitals, or were we bending the curve to buy time for treatments and vaccine, or just to slow fatalities?

Post Photo
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Curious - sometimes I see people online on Slack and offline for Chime, but then others are offline Slack and online Chime. How do I tell who’s actually online with their computer open?

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I know it’s not technically a meme. But it is a free drink for whichever 🐠 gets to it first. Which I think has the spirit of a meme, if not the form. Happy flyday

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likeupliftinghelpful

What is something you want in a partner but is so absolutely ridiculous and can't put it in your profile?

E.g., they must be into manga/anime, but not to the point they drag me to a con to cosplay

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Any openings in wellsfargo for data engineer or bigdata engineer??

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When ibm provides relieving letter and when they provide service letter??

Hi Friends,

I didn't get relieving letter from EY GDS and its been more than 15 days that I had resigned from company and no one is responding except that automated response when I mail to myhr@gds

Requesting you to provide any mail so that I will mail them to get it complete asap

Please help!!

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Any idea fishes on what's the last client round in EY Parthenon for Deals Strategy - is it a experience discussion/fitment or a proper technical round.

YOE: 8 years
Poaition: Associate Manager

And what's the salary one can demand??

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how much package i can expect with total 6 year of experience includes web API development and 2 year of AWS experience on EC2, Fargate etc (certified with AWS developer) and 3 years of Onsite experience

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Hi i have given interview in lti and previous week wedneday i gave hr round and salary discussion happened. Yesterday i got a mail from lti that i have cleared all the round and will be informed for next steps. I asked the hr and she told me that the approval of my offer in in process. May i know how much time will it take for the offer to be released

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Anyone on here working/worked at Moderna Norwood location? What are you experiences and do you recommend? Are there any “buts” or red flags?

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Hi everyone,

I am joining
Walmart in August. Anyone else joining in August? Please DM.

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I have an offer of John Deere and Ezest of same package which one is better
I have 2.6YoE

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Hi Fishes,
I hold 8 years experience in Wealth management, financial advisory in Banking. My current salary is fixed 9 lpa and variable 10 lap. Currently I am negotiating salary with one of the Big 4 firms. Can anyone tell me how much hike should I quote as fixed and variable ??

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Additional Posts in Personal Investment Chatter

During benefits selection this year , I chose HSA for the first time and I am informed that my account is opened today. While registering on Fidelity, I am asked to chose between FDRXX/FDIC .I would want to chose from available options and invest money. Which option I should be choosing of both ? Also if I can’t chose options on fidelity, what should I do about it ? My firm opts only for Fidelity unless I’m wrong . Happy holidays . Thanks in advance

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I think living a frugal life and aiming to retire early makes a lot of sense.

Recently, some of my family members are diagnosed with a rare diseases. When you look at the statistics, these are so many of these ‘rare’ conditions and cumulatively they are not rare.

These family members conditions made me reevaluate how I want to spend my life. I am 35 this year and I can’t decide if I should take great vacations with my kids or keep living a frugal life. Do you have the same dilemma?

likehelpfulsmart

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

likehelpfulsmartfunny

Getting about $2200 back from Federal and $1300 back from NY State. Claimed 2 for both last year and having 2nd kid this year. Should I bump to 3 or keep as is?

Used car prices starting to come down?

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I am doing a back door Roth IRA through Vanguard and while everything makes sense to me, I am unsure if an additional $6000 be invested for a non working spouse. We satisfy the criteria but two questions - 1) Is this still valid I.e., $12k can be invested for 2021? And 2) Any insight into how this is done - Vanguard doesn’t let me add more than $6k as it’s above the individual limit. I tried searching the bowl for specific answers but wasn’t successful. Inputs appreciated.

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Just checked my credit score and it’s an 835. Is it possible to ever get an 850? If so how? (Know it’s not impacting any of my loans, just curious)

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Looking at purchasing a townhouse/condo on the beach but the HOA fees are ~25% of the PITI. I’m wary of HOAs to begin with - any insight?

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I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

like

My org will be pausing the Employer match to 401k for a few months. What's the best strategy to optimize my investment at this time?
Ride along/increase or decrease my percentage?

like

Started my Roth IRA in 2019 and bought some funds that aren’t doing so well. I want to trade them for an index fund that the majority of my Roth IRA is in. Will I be penalized for “selling” before a certain amount of time? I don’t plan on taking the money out until retirement, just want to reallocate.

like

Anyone have a SEP IRA? Is it better than a solo 401k? Understand I need to complete a tax form to initiate it but where do I go to start one? Rookie question, I know.

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Any thoughts of investing in gold or gold related instruments?

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Leave it to a 2% dip in a day to send people panicking lol

likefunny

How much will someone get from a $5,000 referral bonus after taxes? Is there any way to minimize the amount it’s taxed? Work in VA and live in DC.

Marcus just cut their APY rate to 1.55%, down from 1.7%.

Post Photo
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Anyone looking at airline stocks or ETF play?

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My company matches 3%. Is that low or on par?

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Looks like unemployment, businesses shutting down and COVID deaths and new way of life is priced in till November elections

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What is the benefit of investing in mutual funds such as VTSAX over a similar ETF other than reoccurring investments that allow you to set it and forget it? Is that why people choose them?

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