Hey everyone! Still early in my fire journey but wanted to ask some experienced people how they manage their investments/retirement accounts. I have a 401k with my company, Roth IRA on one app, HYSA on another and 2 other separate apps/accounts where I invest in individual stocks and mutual funds. Should I consolidate this into just one app/account? So one app with my roth ira and non retirement investments?

I’m looking for assistance on building your own portfolio in my traditional 401K. I’ve been reading that it’s important to choose funds with low expense ratios. Also, that it is recommended to have at least one US stock, international stock , and bond. I am 24yo so ideally, I’d want to allocate 90%-100% to stocks and 0%-10% to the bond. Any other things I should be looking at?

Curious of the retirement benefits at your firm...go!

Deloitte: 1.5% salary match paid out once a year, fully vested after 4 years. Defined benefit pension plan, fully vested after 3 years

Hi,

Does Nagarro provides internet reimbursement?

currently tossing up between staying at a global company (who is in the process of some positive changes) with an amazing manager who supports my career and flexible working … however comes with the inherit issues that come with a long standing global company

compared with a role at a smaller mga, higher salary (around 30%) more , more visibility career wise and some great employee benefits , management seem to be supportive and low staff turnover

which would you choose here

My firm doesn’t match my 401k — still worth opting in?

What is the salary range for a non IT business analyst working for a healthcare company?

Hi can someone give me an estimate of what a pediatric occupational therapist should be making in a city with a high cost of living. No benefits. Between 30 to 40 billable hours, documentation time unpaid etc. Independent contractor role. Practicing for over 5 years.

What is the best performing NPS available on market. Let's assume that I invest 50k per year for tax saving, what could be my retirement benefits out of this(30 yrs of investing). Please help me with calculation and suggestions.

Is it a bad look to put in your notice after coming back from a maternity leave? Would it burn bridges or not a big deal?

What are the monetary benefits of going to client's location(another city) for 3 months. Is there any provision of additional salary?

Just accepted an offer with a psych startup. Not exactly the offer I was hoping for as I’m taking a slight pay cut ($73/hr) and it’s a 1099 position. I keep getting stuck on the 1099 piece because I’ll be working 40 hrs/wk, but have been told I’m not eligible to be a W2 employee. Needless to say, no benefits whatsoever. They don’t even provide a computer or any other remote equipment for the completely remote position. Am I making a mistake? Also, can anyone chime in about being a 1099 employee?

Please explain if we get internet reimbursement outside the CTC?? Not the tax exemption part . I have heard we get 1200 per month for internet . Is it true ?

Any advice on how to transition into healthcare IT without experience? I have a MS and MPH. Burned out on patient services roles. Hoping to make a transition before the year out. Actively seeking new opportunities.

WFH/Layoff/Security
Hi,
CCTC including all benefits is 16.57 with 8.3 YOE, primarily focused on Manual Testing.
Is it worth looking for another opportunity?
I am afraid after seeing layoffs news of EPAM, Publicis Sapient & most of the other companies calling employees in the office.
I love my WFH in PwC India & base location of Kolkata. & the best thing is stability in PwC India, they never lay off!!

What are the extra benefits given by IBM apart from Monthly Salary

Can anyone share any examples of outstanding direct to consumer healthcare ads?

Fo getting the reimbursement what is the process? Just submit normally through insurance? FAQ says participate in managed fertility program. What does that mean?

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.

Do desi consultants opt for 401K? Upside/downside?

How is the hierarchy like at maersk india? How much yearly hike is given?

Does Nagarro give option to WFO?
At Bangalore location where is their office

How will covid impact commercial space downtown? What is the future of commercial space? I personally prefer to work in office, but I’m sure organizations are starting to see how much $$ can be saved

Thoughts on Engage NY/Eureka math...

With Trump’s executive order today, can we get rid of the PCAOB? lol

Attorney 🐠 - my female SO is moving over to big law in the coming weeks. Need ideas on gifts. Any suggestions? Thanks in advance!!

Hi what should be the salary for senior BA role at fidelity. Cleared the interview. Current CTC is 15 lpa.

Producers - what are you pros and cons with production co reps? What do you love/what do you wish they did differently?

Calling September "suicide prevention month" will not reduce the number of suicides. In fact, it might increase it, given the frequency of suicide posts on social media.

Hi folks,What is the wfh situation in fidelity?

Has anyone ever eaten at one of the restaurants at Eataly for a date night? Worth it or too touristy?

First time poster here!

After spending 4 years as a mid-level ops manager, I tried to break into HR through talent acquisition. Now after 6 years in TA, I've had a hard time getting out of it. My goal was always to get into a more broad HRBP position, but I've since worked for smaller orgs without a solid HR career path. When I ask about my career goals, they keep telling me, "Soon!" Or "Maybe in 6 months!"

I'm testing SPHR in June. Any advice for securing the type of role I'm aiming for?

In order to DM i need 11 likes. Please help me guys

Junior IT developer looking to break into Customer Success to continue my coding practice on the side.
Anyone looking to hire? Worked at a unicorn SAAS company as a SDR. Great performer with references to back it up! Before that it’s been all sales! Mostly car sales and was able to travel to Aussies how to sell cars as well! I love being able to take my time to establish and building meaningful rapport with just about anyone! Lookin go for open environment, structure and great training!

Need some help getting foot in the door - anyone who can assist an aspiring Financial Analyst ??

Since this is an open forum where we can be honest, I've assembled a list of billable litigation tasks that can be done from a playground: Conference calls, File review, Fly on the wall depositions where your camera is off, Zoom cattle call status hearings. Any other suggestions?

If consumers prefer diversity in ads, wouldn't it make sense to have a more diverse industry? Why does agencies lack diversity?

Had a fabulous meeting with an agency recruiter who was already talking about flying me out. Radio silence for two weeks. I’ve followed up and everything. Is it a lost cause?

Love my team at work, strongly dislike upper & don't believe the leadership is there (and grossly underpaid). Been offered a job elsewhere with a ~30% increase in salary. What is one to do?

Given crazy market returns recently, do you still expect the market to rise at 10% over the next 30 years?

Anyone a CFP as a side hustle?

Decided to payoff my mortgage.

Does the 25X rule take into account long term capital gains tax of 15%? Like if I know I need 40K to survive, do I need $1M, or more to make up for the tax too?

Anyone investing in index annuities? Can someone explain why this is beneficial?

Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

im 27 and could possibly retire if I kept my spending low. However you never know what’s going to happen, do you? How do you deal with the uncertainty?

Hi, I repaid my student loan today and feel awesome. Want to start saving for a home ($350-400k). Any suggestions if I should invest in something short term or a Roth IRA or let it sit in my bank?

Realized my savings account interest rate is now higher than my mortgage rate. No way I pay that off early. Eat your heart out Dave.

Any good ideas to keep your day job and start a business that allows for enough freedom to take taxable income from 350k to 0?

Currently making 70K and I usually up my contributions each to start each year. I'm up to 10%. How should I split up my mix? Currently all in traditional.

Plan is to get this higher as I eliminate debt but 10% is all I can afford to do for now

Hi! Pretty new to this concept, and really early within my career (only 3 months in). Currently on my company’s 401k plan, contributing well beyond the minimum to receive a match, and maxing the amount I can put in right now (25%). Dabbled a bit in options and stocks in general. Any advice, guides, or starting places you would give someone in my shoes? Thank you in advance!

What are some aggressive ways to control your spending? I tried a little but of everything(paying myself first, only debit cards,cash) but seems like i have the urge to spend and i do so. Any tips?

I’ve been reading a lot of FIRE books lately and want somewhere to discuss. What are the biggest takeaways from your FIRE journey/ research?

Anyone interested in having a meetup in NYC in April and exchange our FIRE experience?

Once you hit your FI number, what are your plans? 1 yr? 3-5yrs? beyond?

I consolidated grad loans in ‘15, kept federal separate from private (w SoFi @6.75%). Can I refinance w SoFi or w Earnest? Should I combine the federal and lose the protections for better %?

Sooo AMC.. who’s in?

😂

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??