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Off Topic : 1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement? Tata Consultancy Infosys Mindtree IBM Wipro Capgemini Cognizant HCL Technologies
Any banks still issuing phones / blackberries ?
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Good salary for a mid level planner?
Hi not from Indonesia but speak the language
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The next $GME is DOGE.
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Depends on your goals. For short term needs, the ESPP is great. If you’re more concerned about having a cushy retirement than buying a new house in a few years, max that 401k
Max both then withdraw the ACN stock immediately as it vests. 10-12% return post taxes just for having it locked up. Totally worth it, when I was at ACN I did this and just treated the ESPP as a part of my monthly savings.
Both. But if you can’t max both then at least get the 401k match. Hanging on to a portion of ESPP isn’t a bad option either provided you have a balanced portfolio. I still have some bought in years ago ~$40
What is the max?
Make 401K 6% match and 10% ESPP first priorities- both are free money and part of your total benefit package from ACN.
Correct, but really really make an effort to do 1 and 2 or else you’re costing yourself money. I used to max ESPP and sell every 6 months to pay down debt, and it helped me pay it down a lot faster than if I’d tried to put cash towards debt every pay check