{ "media_type": "text", "post_content": "For my schwab Roth IRA does this make sense:\n\nSWTSX - total market 60%\nSWISX - International 30% \nSWAGX - bonds (2% for now)\n \nShould I add small cap fund (swssx)? \nIs there a difference between swppx (s&p) and the swtsx (total market)? \n\nI feel like I’m missing an emerging markets fund? Is there a schwab fund I’m not aware of? maybe SFENX (10%) but that has a 0.39 expense ratio? \n\nOr should I just get the vanguard fund VTIAX?\nI may be all over the place because I’m giving myself a headache.", "post_id": "61f1c13888b937002cf69c03", "reply_count": 10, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

You are currently posting as works at Accenture

For my schwab Roth IRA does this make sense: SWTSX - total market 60% SWISX - International 30% SWAGX - bonds (2% for now) Should I add small cap fund (swssx)? Is there a difference between swppx (s&p) and the swtsx (total market)? I feel like I’m missing an emerging markets fund? Is there a schwab fund I’m not aware of? maybe SFENX (10%) but that has a 0.39 expense ratio? Or should I just get the vanguard fund VTIAX? I may be all over the place because I’m giving myself a headache.

2 reactions

4 months

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You are currently posting as EY 1

You are missing 8%. I would just do something like 70% total us market and 30% international. If emerging markets are not in that fund maybe add 10% to an emerging market fund from the 30%

1 reactions

4 months

You are currently posting as KPMG 1

I would just do something like 80% US market and 20% international. If you're young, I'd ditch the bonds. 2% of anything isn't going to do much anyways. US market and S&P500 overlap significantly so I'd just hold one (the former is technically more diversified but performs similarly). International often includes emerging markets, although I'm unsure of the overlap. Don't use other mutual funds (e.g. Vanguard, Fidelity) in Schwab. You'll pay a big fee.

4 months

You are currently posting as Accenture

They do have partial shares but you just can’t do them in a retirement account (I think!)

4 months

You are currently posting as works at Deloitte

Death to expense envelopes (Deloitte) starting 10/25!! All required receipts will be sent digitally!

39 reactions

You are currently posting as works at Bain & Company

Have finally gotten past the mindset of wanting to order the most expensive dish just because I can expense it.

25 reactions

You are currently posting as works at Deloitte

Freaking Marriott charged me $50 for an in room dining I didn't receive. My expense this week is messed up!

4 reactions

You are currently posting as works at PwC (PricewaterhouseCoopers) LLP (Consulting Practice)

Lots of TSA pre mentions. ATTN/FYI PwCers - firm will reimburse for global entry. #themoreyouknow

3 reactions

You are currently posting as works at Accenture

When I know that I can expense the airplane wi-fi but never have and assume it's out of policy so I don't have to be bothered for two hours...

5 reactions

You are currently posting as works at Accenture

When your per diem is $37 and you spend $50 every night on dinner and drinks, you know you're burnt out

19 reactions

You are currently posting as works at Accenture

Life? Meh, I'll expense it.

27 reactions

You are currently posting as works at The Boston Consulting Group

Anyone know if I can expense a Tinder Plus account if it says "not interested in hookups"?

22 reactions

You are currently posting as works at New York City

Who doesn't pad the occasional cab receipt and expense dinners they never had?

6 reactions

You are currently posting as works at Accenture

Most unethical thing you've put in an expense report? Go

13 reactions

You are currently posting as works at Accenture

Are we allowed to expense all the bleach I bought in preparation for shit hitting the fan and splattering all over the walls?

13 reactions

You are currently posting as works at The Boston Consulting Group

Why is the expense report system so shit? If it takes the average consultant 1 hour/wk, if we're billed at $500/hour (SWAG), expense time costs a firm with 10K consultants ~$250M pa...

5 reactions

You are currently posting as works at EY

Can I expense life?

21 reactions

You are currently posting as works at Deloitte

My parents work in industry and don't understand the power of expense

10 reactions

You are currently posting as works at Deloitte

Uber from Brooklyn to Jersey. Expense as "After hours safety". Then expense $30 unlimited weekly MTA card as "client travel". #howiholiday

11 reactions

You are currently posting as works at PwC (PricewaterhouseCoopers) LLP (Consulting Practice)

Do you typically expense dry cleaning? If so, what's an acceptable amount?

You are currently posting as works at Deloitte

Girl thought she took advantage of me by getting me to buy her a few drinks, but jokes on her #expense

36 reactions

You are currently posting as works at Deloitte Consulting

RE with your daily/weekly per diem and how much you typically spend

You are currently posting as works at Deloitte

Monday's expense report: $6.87 for a burrito, $29.00 for booze

30 reactions

You are currently posting as works at Parthenon-EY

EY People: anyone had luck booking hotels through their Starwood Ambassador versus Amex Travel? Would be so much easier to just email her the month's plans but I'm worried about the expense police.

1 reactions

Additional Posts

You are currently posting as works at Art Director

When he knows it’s the weekend

38 reactions

You are currently posting as works at Account Director

Interviewing and exploring opportunities in Pharma. Any tips or things to be aware of ahead of interviews? Thanks!

1 reactions

a year

You are currently posting as works at EY

I’ve been getting really depressed out of nowhere. It’s not really related to anything that’s going on in my life. Is there something wrong with the chemicals in my brain or something? I’m taking vitamin B12 and D3 but they’re not really helping

2 reactions

9 months

You are currently posting as works at Consultant

Newbie in investing. Have 50k saved and would like to invest in index. What is the best time (now vs after new year) to do that?

3 reactions

a year

You are currently posting as works at Deloitte

Taking an interview on my personal for tech startup while on the daily client status call on my work phone. #doublefisting

12 reactions

You are currently posting as works at EY

How easy is it to transfer between big 4 in assurance after one year?

1 reactions

You are currently posting as works at Senior Consultant

Hi Fishes...Need 11 likes to unlock DMs Thanks in advance

19 reactions

5 months

You are currently posting as works at Christ University, School of Business and Management

Hi, Which one is a better choice for Management Consulting? Accenture Consulting or Deloitte USI. USI is giving 10-15% hike on AC's offer. Thanks in advance.

1 reactions

4 months

You are currently posting as works at PwC

How many management consulting firms are there in the US?

You are currently posting as works at EY

Random question to the men out there - do u guys often take long baths? Is it normal for a guy to take weekly baths, candles and everything??

2 reactions

You are currently posting as works at Support Manager

Hypothetically speaking: You are interviewing w/the Hiring Manager. You are enthusiastic, well-versed and appropriately caffeinated. Throughout the interview, the HM yawns on camera - 4 times. Not your average yawn, more like a hippo yawn - including the sound that comes with it. Would you think they heard your answers during those yawns? Should you expect an invitation to the next round?

2 reactions

You are currently posting as works at Deloitte

When you act professional AF at work but turn into a grungy mofo as soon as you walk out of the office. #transformation

13 reactions

You are currently posting as works at Deloitte

Rising Star

Notice period fish here. Initiated NP in December and have only one more working day with the firm. Still haven’t got my Bidding Adieu email. I have contacted 2222 and they are just escalating but there’s no progress. Deloitte

2 reactions

4 months

You are currently posting as works at EY

Managers & up, please remain aware that us junior folks are spread thin, but we really are trying our best to meet all the given deadlines. Thank you.

9 reactions

You are currently posting as works at Slalom Consulting

What a joke was the town hall in Chicago. Great job dodging the questions.

2 reactions

9 months

You are currently posting as works at EY

As a new mom and a SM. I am having a tough time seeing myself progressing on the Partner path. Maybe someone here could help me? - I can’t find female partners who are in my life stage and are able to manage life and work. The female partners are either older or have no kids or have an army of nannies to work crazy hours. - I am an introvert and have a hard time imagining myself making fake friendships and rapports with client team members for the sake of making a sale.