Grade my allocations!

VTI - 50%
VXUS - 15%
VUG - 15%
QQQ - 10%
VYM - 5%
FALN - 5%

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

If you’re holding, consider adding QQQM vs QQQ for a slight fee advantage

like

QQQM launched last Oct so it hasn’t even been a year. YTD matches more closely

like

Looks pretty good! Maybe a little overlap with VUG and QQQ and I’d just pick QQQ if you wanted that weighting. Also if this is in a taxable account I wouldn’t hold VYM or FALN to avoid dividend taxes.

like

It is a best practice to hold high dividend paying equities and bonds in a tax sheltered account so you don’t have to pay the tax on the high dividend payments. So, put these types of investments in your 401k, IRA, or HSA, but not in your taxable brokerage

likehelpful

Related Posts

What is the industry average and highest Salary a Manager Management Consultant can earn today, with an MBA degree and 6 years of work experience?

Honestly, I am happy with the current pay but still when I hear the unrealistic figures from my friends and friends of friends it feels as if I am settling for less in life.

Any suggestions on how to get Salary correction internally within the same organisation? Thanks!

likesmart

Anyone know the Deloitte GPS S&A bands for C and SC? Specifically for experienced hires, non-MBA masters, tech background.

like

What's the hike percentage on promotion in BNY Mellon and what's it without promotion for Pune India operations?

like

Hi everyone

Does @Cisco system india provides onsite opportunity for employees?

like

Anyone at Salesforce know how to lookup the level-grade of a specific person from the org chart?

like

McKinsey & Company Is McK expense policy the same worldwide or region dependant? McKinsey & Company

What is ETB department in bosch.

like

Please help.. Need your suggestions.
#6.5 yoe
Got an offer with Honeywell and Standard Chartered Bank. Both are 22 LPA and Bangalore.
Which one gives the more job security. I'm looking for a long term. Please help 🙏

Hi People, Need some advice. Currently I am in EY India, joined it 7 months back.
Got an offer from Nagarro with 18LPA(17 fixed).
Should i consider switching? Please suggest. YoE-3.6 years. Current CTC- 10.7 Lpa. Tech stack- Java Spring Boot.

like

I work for a mortgage company and I service many commercial mortgages that are unique in structure which makes servicing more challenging. Since we are a smaller company we have to come up with solutions or work harder get things done. I would say I do some managerial work now and train new staff. How should I approach a salary increase? What’s the ball park of commercial mortgage loan service salary?

like

Hi I am moving to Dallas in 6 months; want to know areas for the young adults… also what job is in demand right now preferably in healthcare and what are the salaries?

like
like

Dear Fishes,

Can you help me give a bit of description of EXL? How is it in terms of WLb Job security and Growth and hike?

YoE - 5 years

like

Hi Fishes,

I have applied for few open positions at EY which are related to my profile (Risk and Compliance), I am shortlisted for two profiles (as mentioned in Applied Jobs section) but haven't got any call from Talent acquisition team. Can someone please help me schedule a call for the same, will share the details in DM.

Thanks in advance

Hi fishes, pls help-
1. How’s the WLB at EXL (Inductis, analytics)
2. There’s no JD provided, so unclear work structure. Also, have heard mixed feedback about the projects/learning curve. And so, extremely unsure whether to join.. any thoughts?

like

Any tips on negotiating discretionary bonus with your annual performance review?

like

I think I bombed a case interview with Chartis for an associate consultant position. The case was in excel and required me to manipulate the data via share screen with the interviewer. I couldn’t get some functions to work and was struggling to go through the 16 page PDF of data. I had several answers correct but needed to walk through the remaining questions with some guidance. My other 3 case interviews went well and I had great conversation with the partner for behavioral interview. Thoughts?

like

Is 22 LPA good CTC to accept for assistant consultant for 9 years of exp? Currently I've 18 LPA. Is HR negotiable when higher offer in hand?

like
like

Congratulations!! You are getting that email, call and a meeting to announce the highest salary you have ever received in your career.

like

More Posts

Any tips on leaving a firm “correctly”? Was about to go “of counsel” with my firm of 6 years, but then another firm whose partners I really respect (and personally like) offered me a partnership position. I predict my current bosses will *flip* (cut off file access immediately, try to beat me to calling my clients, etc.), so how do I set myself up for a successful transition?

like

Accenture 🐠, anyone willing to provide a referral to Business Process Architect role in Dallas? I will PM my work experience and qualifications if anyone is willing to chat! TYIA

like

Hi team. Hope you all are well and safe.
I will be joining Accenture in two weeks, want to get some understanding on the current policy on remote work and return to office date if there is one.
I am currently in Seattle, WA, USA.
Thank you!

like

My company is under merger with ACN. Will I get a boost in my salary after pairing my level with ACN? Current role is senior engineer with 7+ years. Which level will I fit into ? And my current salary is much lower (20k) than ACN standard. Thanks.

like

How is S&P Global?.
Pros and cons
Employee benefits and Culture

Thanks in Advance! 😊S&P Global

How do you maintain focus? I find myself distracted every 2 minutes.

likehelpful
likehelpful

What are your top 5-10 apps you use on the daily?

Edit: daily mobile or desktop app

like

Would you date an ex army/marine who has actually been through wars (and killed people) and told you that they can hear ringing noises?

like

I've noticed that the engineers keep their mouths shut whenever they're asked for feedback, but when they're alone, they talk about how much they wish they could change management.

Why is that?

like

Hi Sharks 🦈,

Need some suggestions: My current company is on a layoff spree and 2 rounds are already done and I can foresee another round coming very soon.

While I am trying to switch to other companies, I’m not able to reveal the real reason from my side for the job change, as if I say, it’s because of layoff fears than it’ll reduce my negotiation power.

What other reasons can I give as I’ve just completed 9 months here and it’s too soon for any other company to take me in.

likeuplifting

So many questions about staying or leaving. That window is now closed. Stay where you are. Stay inside. Wash your hands. FaceTime loved ones.

like

Will Amex restricting guess access for Centurion Lounge actually make any difference?

I can see short term changes but the way Amex has been aggressively marketing Platinum card, we just will have overcrowding of primary card holders 🤷🏻‍♂️

What's next, everyone has to spend min. 50k a year to get Centurion lounge access or pay per visit.

likeuplifting

🎇What’s your biggest win from 2021?

Drop it below, let’s celebrate 🥳

likehelpful

I’m negotiating my salary, and I’m curious what a reporter/digital editorial lead makes at your company? I have 15+ years of experience in employee communications and TV news, and I live in the Seattle area. I think I’m being shortchanged bc I’m asked to do some of my previous manager’s responsibilities (he was promoted), but I’m paid as a reporter. I report to my director who reports to our SVP, and I’ve worked for this Fortune 20 company for 10 yrs. Any info would be helpful. Thank you!

like

How bad of a financial move is it to relocate to London from NYC?
Currently at 165 TC, 26M
No near term financial goals, just would like to retire at some point.

like

Anyone can guide in options trading?🙂🙂
Lost around 10k😒

like

I want the quarantine dry spell to be over.. 🤨🧟‍♀️

like

What would you do if you didn’t need money? I have a fair amount coming one day and don’t actually need to work to live a good life (middle / upper-middle class). I work because of this vague notion of “ambition” and because everyone I grew up around is highly competitive and hard driving. I just feel unhappy so often and am wondering what this is all leading to. Scared I’m wasting my life being unhappy / in turmoil cause it’s what my culture wants me to do.

like

Additional Posts in Personal Investment Chatter

Looking to start investing (mostly Index Funds and some crypto). Any tips on where to get an account for index funds? Vanguard? Fidelity? Charles Schwab? Somewhere else? What’s most cost efficient?

like

Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.

like

When determining your retirement spending, how much do you anticipate and budget for healthcare costs? This is for the US.

like

I forgot to transfer my crypto or withdraw from binance to binance US. Is there a way I can withdraw or transfer now? I think the deadline was until Nov 2020

like

Is buying into the VIX the best way to hedge for a mkt downturn?

like

How does one decide whether to buy in a normal brokerage account vs. Roth IRA?

like

Any any one here created irrevocable trust? If so what are the annual expenses of maintaining the trust? How hard is IRS paper work

like

Big legends Guide to Three-Fund Portfolio. Yay or nay? Additionally, please share personal finance books that you recommend to newbies! Thank you and happy holidays!!✨

like

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

like

Is it too late in our lives to jump into a mortgage?

So my fiancée and I are relatively late in terms of finally landing well paying jobs and being able to save money instead of living paycheck to paycheck. We’re both 36 and currently rent a 2 bedroom in NY and have a combined savings of $35,000 which she wants to use as a down payment on a condo. I kinda just wanna continue saving while renting. I also literally just started contributing to my 401K so I’m also late in the game for that too.

helpful

What did you do with your RSU’s after it vested? Did you keep it or was it sold and reinvest to another stock/fund/etf?

What's with companies charging full fees for diminished benefits? I'm a bit annoyed about being charged in full for my Marriott card annual fee and Amazon Prime mebership

likehelpful

Can you please share the age of your kid(s) and how much you’ve accumulated in their 529s to date?

likefunny

Is it true that Vanguad’s open an account page has been down for month? Only way to open an account is it to call and mail in app?

like

How much money would you want to have before purchasing an apartment? I am considering buying an investment property, I have enough cash to purchase outright but it would basically decimate my savings. Mortgage is not an option as I would be purchasing in another country.

likehelpful

Beginning to invest. Which is better? Merrill edge or fidelity ? Have a BofA bank account and an employer Fidelity account for RSUs. Also have a TRoweprice 401k account from past employer.

like

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

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

like

Been using HMBradley since February and very happy so far. Getting 3% as advertised.

Post Photo
like

Is anyone holding didi shares? I’m trying to figure out what happens. If they delist, then list in HK, are shares converted? If I want to sell, how would that work? Do I need to open a HK bank account? Are there unique tax implications? Etc etc.

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

Scan your QR code to download
Fishbowl app on your mobile

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