Have started putting money in 401k in 2018. By now it looks like this. It includes Deloitte’s match as well. Is the growth in the last 4 years looks ok to the pros? Can it be more aggressive or the returns are normal?

Post Photo
likehelpfulfunny
Posting as :
works at
You are currently posting as works at
Highlighted IconHIGHLIGHTED

Better to talk about specific funds. To me, that fits my 1yr growth. Given the lack of dip in March 2020, I’d say it’s pretty darn conservative for someone so young.

like

OP - there are plenty of options, usually.
BR1 - my 401k is all mutual funds. We have vanguard growth and value. I don’t do self directed.

likehelpful

Just do this: 100% in whatever S&P500 or Total Market index fund they have; just pick 1 fund, and it should have close to the lowest expense ratio on the list. Then set your contribution to max out every year. Then log out and don’t look at it again for 5yrs.

God speed 📈🚀

likehelpfulsmart

Thanks for taking the time to share your thoughts! Very helpful and great food for thought. I do think there are some great foreign companies like Novartis, Nestle, TSMC, or Keyence (JP) (just some quick examples that come to mind) that I'd miss out on by only holding VTI. But also did somewhat overlook how much US companies in VTI also have plenty of ex-US exposure.

like
Recent IconRecent

What are you invested in? Returns seem low. What was the return % for just 2021?

like

Simplicity is key, total stock/total bond or use target date on entire balance. For reference I made 17% in 2021on 90/10, Age 39. You also don’t want to be in and out of funds a lot mutual funds don’t trade like stocks. Pick the funds then set it and forget check back in 6 months if you want.

like

Why does anyone pick target date funds over sp500?

like

True, there are years international outperforms. The quirk here also that S&P 500 has some international exposure since many companies do business outside the US. Would be reasonable to have 10-20% in a total international fund.

Imo still way too conservative to have 80-20 stock to bond. I do 85% spy and 15% growth stock. Will change to target date fund when I’m like 40 prob

likehelpful

Any specific growth stock you recommend ?

funny

So do you guys recommend contributing to FXAIX instead of the target fund for EY 401k?

smart

VIGIX is what i have invested most in. VIGIX 90% and Vanguard Institutional 500 Index Trust 10%

like

What's a good S&P index fund to buy on Vanguard? I also work at Deloitte and want to reorganize my 401K

Yes. Its marginally different.

Thank you all for these valuable inputs. I will change my contribution and monitor it after few months.

I started with maybe 6% from 2018 and now at 10% always been for roth. Now it's at around 28000 is that normal?

I only put in the money that my company is going to match.

The rest goes into my individual brokerage account, crypto, or real estate. I like the idea of having this liquidity versus keeping it in a 401(k) till I’m retired.

Yes it is possible, I have 100% stocks and aggressive growth ones on that.
My returns are higher but also very risky, not for everyone

Move your stuff to crypto if you have big balls

What is your salary and how much are you contributing? Is this the only savings you have? I have close to this amount saved up but I planned a wedding and had multiple expenses etc

Sorry, base is 203k and bonus varies between 10-20%. Last years TC was 235k

You need to spend $76.90 right this second for a flattering ending balance!

Nice

Related Posts

Army Reserve here. Thinking about ditching firm provided health insurance for Tricare Reserve Select. Wife currently undergoing treatment for stage 3 breast cancer, so I'm naturally reticent about messing with health stuff.

Any opinions one way or the other?

Any doctors in here? 31/M and get occasional sharp chest pains. Any notion to what my outlook for causes are? No health insurance currently and little in reserves.

like

Anyone here have any information on where to invest your money apart from the firm's 401k match? New to investing and wanted to know where do other people invest since most of them wouldn't be investing in stocks directly.

like

Feeling really lonely this holiday season and I think it's time for a change. I love my job but I'm realizing I devote too much time to it. I would really like to expand my social circle and potentially meet someone, but I don't really know where to start. Ideally my partner would also work in healthcare, but it isn't a dealbreaker for me. Ladies what should I do?? I'm a 32 year old woman with no kids.

likeuplifting

Hi All,
Iam Military veteran, served 15 yrs in Armed forces. Unfortunately laid down by current company in Aug 22. Friends if any relevant openings available please suggest.

Skill- Administration/ Healthcare Management /non technical/support team

Industry - Healthcare/ Wells Fargo/Citi bank

YOE- 18yrs

Location - Open

Thank you!

like

Hello, I have received an offer from Southwest Airlines as a Associate Technology Analyst with their direct college hire program. Will be graduating in May with a degree in MIS and also have internships experience as a Business Systems analyst intern. The salary compensation started off at 66,500 but was looking for the 75k range and they got back to me saying the best they can do is 68,500. They also have a 401k company match up to 9.3%. Do you think this is a solid offer for this job market?

like

What are you doing for a retirement plan as an independent consultant? Solo 401K, SEP IRA, etc.? Any recommendations on where to open an account?

like

Is Life Insurance a scam?

Why or why not?

like

Hi fishes,
I'm 22 and planning to take a life insurance. I'm comparing all policies and max life seems attractive as it has good claim settlement ratio and less premiums. But there is no office near our area. My worry is that if there is a need to claim in future, it can be done all online by my nominee? Is it recommended to take policy online in any platform(like policybazaar)?
Other options I'm considering are SBI life, HDFC life which offices are available in my locality.
Please guide

like

Looking for any Bay Area referrals for a non-technical role that requires an amazing people-person. Calm app?
Husband worked in an education nonprofit for 7 years - started as program staff, quickly promoted to program director, left because of toxic management, lured back as another team manager with better pay and benefits but toxic boss is no longer worth it. He is truly an exceptional manager and is having trouble finding a way into a new org that isn’t at the bottom rung or dismal pay…

HELP! B2G and now adding B2B accounts!

I've worked for my company since August and I've mainly been prospecting in behavioral health centers.

However, the other two AEs want me to support them (only BDR) and they handle corporate employee accounts/non-healthcare.

Anyone have any tips for the B2B space and who I should prospect? They didn't give many pointers lol.

like

Clinical research associates how much r u getting in travel allowance and benefits. Which company r u working for

like

I retired from teaching in an online Bachelor of Science program after six years last year. Also, I have 12 years of hospital and managed care case management. I have three years writing appeals for denied hospital claims. I decided I do not want to retire. I am looking for a new opportunity to work remotely. I have attained a Master of Science in Nursing Education. Please hire me!

like

Starting in NYC soon, partner and I are looking at combined comp between 210k and 250k pre-tax. What’s a reasonable spend for rental?

Non negotiable are must be pet friendly

like

Hello, I've been working as a Healthcare Consultant for over 4 years now & I am currently a Consulting Manager near the Philadelphia area seeking an opportunity in NYC. Anyone know anything avail?

like

I’m a healthcare recruiter that specializes in physician and CRNA recruitment across multiple specialties. I’m curious from the other side of the same nickel, what do you want in a new job? Are you interested in travel contract work?

like

Benefits at Walmart Global Tech India
Hi Everyone, Please post any nice benefits other than regular stuff like free food/cab, good insurance. Any special Terms and conditions for 30k phone reimbursement, 2k internet reimbursement, 1.5k phone bill, nanny & daycare (whats-the-limit ?) ?? please share any other benefits.
Thanks in Advance

like

I’m joining Accenture Federal soon and had some questions about parental leave. First, is there a minimum timeframe you have to work for Accenture before they let you take maternity/parental leave. Secondly, in the recruiting brochure maternity leave is separate from parental leave. Can you take both of you are the primary caretake for a total of 4 months?

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

For new joiners is there any office setup at home reimbursement at citi. Like buying chair, table , headphone etc. Does citi provide any welcome kit on joining.

like

More Posts

So what I’m hearing, after four years of vitriol, meanness, name calling, ruthless rhetoric, and callousness, is “Democrats need to be nice”? Please take a seat for like one day.

likefunny

I want to dispose my office chair and i live in Newton. Anyone knows if i can leave it curbside or where i can check for the details?

funny

Anyone have a preference over blade or mallet putters? Have a blade at the moment but thinking about changing due to the weight distribution of the mallet.

like

Anyone wanna read the new super informal coverletter I'm working on and tell me if it sucks?

like

Any whatsapp group for Accenture new joinees?

like

Can you consider a counter offer after having signed a contract to go elsewhere? From a legal pov not ethical.

like

Hi fishers,
I am in offer discussion with LTI. P3 has 10% variable and P4 has 15%
It is good idea to take P3 to increase fixed CTC?
YoE is 12

like

How is the work culture in ADP?

like

Audit senior manager @ GT looking to make a move to PwC or KPMG. Anyone have insight that have made similar moves? Will it be a much more difficult path to partner? Expect big increase in hours/decrease in wlb? I’ve enjoyed my time at GT but recently things have changed

like

Moving sale! I need everything gone this weekend. Any reasonable offer will be accepted. Pick up from 1011 s Pearl Expressway Dallas TX 75201. West end metal chair - $25obo Ikea rug - 20obo. Coffee table $30obo. Futon (very comfy) $170obo. Multiple other items

Post Photo
like

Hey guys,
Currently I’m working as an Associate Data Scientist and I’m very fond of creating charts and visualisations for my output/presentations. I’ve recently started learning PowerBI and would really want to know some informative pages, channels or any other sources where I can get my complete hands on to this tool.

Thanks in advance.

Anyone have chronic fatigue that they’ve managed to fix? I don’t have blood or thyroid issues but I constantly feel so tired and foggy. Thinking it’s either diet or I’m not getting restful or REM sleep. Either way I need to make changes and I need suggestions or motivation …

like

Anyone here works for SS&C and wants to share their opinion? Glassdoor has very mixed reviews...

like

Hi everyone

Anyone from SAP Labs, I exited SAP Labs 2 months back and now I am going to sell my stocks from equateplus.

can i know how many days will take to credit the money after selling the shares?

TIA

@SAP

like

How hard is the CFE exam? Worth the price?

like

Thoughts on hiring an escort to gain sexual experience? 23/M who has no experience of intimacy with women

like

It’s tough to wake up

Post Photo
likeuplifting

Starting a new bowl in the awake of this market bubble. Happy Investing!

like

Post MBA - MBB vs FAANG product management role vs Startup Biz Opps role vs IB (2 year Associate) for getting into Venture Capital?

like

Would recommend data engineer or software engineer for pay and growth potential?

like

Additional Posts in Personal Investment Chatter

Has anyone maxed out their Roth for the following year yet? Thinking of taking it out of my account for the following year and capitalize on the gains

like

How much margin is appropriate/recommended on a percentage of portfolio basis? I used to use about 10% but now that we’re in a bit of a correction it’s closer to 20%. I really want to add to positions on these dips but it would only increase the risk given the margin exposure...

like

Selling 2022 sealed and brand new Kaplan CFA Level 1 books, comment or DM if interested

like

Is there any way to make pretax contributions to a retirement account outside my employer plan if:

1. My employer offers a 401k plan

2.) Im over the income limit

Here’s my situation; I left a higher paying consulting position for a lower paying position (better WLB). When I left consulting, I got paid out for my PTO, and I received a signing bonus with my new company. I expect my income will be significantly higher this year than it will be for a while. I know I could … (see comments)

like

VTI, VOO, or VTSAX - which do you all prefer and why?

like

Anyone use composer.trade? Seems intuitive enough but lacking some fundamental features.

like

What blogs/books/resources should I seek out if I want to make the transition from passive trading (index funds/buy and hold blue chips) to more active trading (options, speculation, spending a few hours a week researching, etc)? I’m looking to turn my investing into more of a side hustle

like

If a company in which I owned stock was taken private, does that mean I should sell my stock because the price isn’t going to change?

like

“Fool of a Took”

Post Photo
like

I’m considering Schwab roboinvestors to manage my investments actress various index funds aligned with my risk profile. Aside from the large 6% cash requirement, what are other downsides?

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

thoughts on buying airline stock? delta?

like

Repeat with me, this is a buying and holding opportunity! 👏🏻

like

Anyone out there living off of (or able to live off of) their dividends? This is my financial goal but I’d like to know if anyone is doing it. What’s your allocation? I have mostly REITs

like

Anyone know where to get a cheap fixed rate loan?

like

Did you share with your family when you hit a 1M net worth?

like

I'm thinking the stock market will rebound within a 3 year horizon. I'm starting grad school in fall. I'm thinking of taking a student loan & starting a 529 now, to pay it off in the future. Thoughts?

like

How important is it to diversify your index funds? I have mainly large cap US funds, but wanted to see if it’s suggested to diversify into small/mid cap and international. If so, what are some good ones?

like

People investing in rental real estate what’s your ROI this year? My profit divided by current value is barely above 3% (and that’s with no renovations and 100% occupancy). Should probably sell it and invest elsewhere...

like

Is BRK-B a buy right now?

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