Hi All: new to the bowl, been reading thru the posts. Seems that most here advocate using ETFs for their investments? Is this the prevailing strategy now or just the best passive one? Newbie investor.

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Simplest starting strategy, better than stock picking, which is what a lot of people assume is how investing works.

Not a bad idea if you're starting out, but I find the people really pushing it and lecturing others about investing to be quite annoying. It's not really a strategy, it's a lower risk allocation for long-term gains. Determining when to diversify beyond simple ETFs/MFs is challenging to a lot of people.

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What do you consider the next wave of diversification outside of ETFs etc? Is it pushing to more speculative investments, single stocks, buying properties, investing in businesses, etc?

Curious for some perspective and when you think the ETF model starts to not scale appropriately

Would be a nice problem to have someday for me 😬

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It was just easier to understand and less work having to continuously monitor it since ETFs like VTI are so diverse.

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I'm a foreign national with a UK work visa, normally working in London. If I end up working from home outside the UK for 80-100% of the tax year does my UK tax rate change?

Is it a good idea to trade indexes like VTI and SPY short term? My logic is in the long term indexes will go up so even if I buy high, I can just hold for the long term.

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Hi All. Have anyone applied for flexi basket declaration in HCL. Kindly tell me if there is any good tax savings or of no use.

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Does Boston Consulting Group have the following?
- HSA
- After tax contributions to 401k w/ in plan Roth conversion

I’m joining in a few weeks and doing some planning on how to adjust my existing accounts/strategy.

Thanks!

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Okay, how do you know how much sales tax you owe your state monthly?

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Applying for Uk visa from overseas- How do I know if I am eligible for IHS loan ( immigration health surcharge) can someone explain this here? Thanks a lot

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If you have the 20% down payment, does it make sense to take 30 year mortgage and use money at mortgage payments rather than rent paid? Potential downsides?

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Someone here suggested investing in Boeing two months ago. I did. It was down to $110. It’s insane now. Thank you whomever you are.

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Can someone help me with this? I had a low utilization since pandemic, I.e., ~sub 5%, but never missed any payments. Would credit score be impacted if only one line of credit with a low utilization?

Too few accounts currently paid as agreed
FICO®

Scores consider the number of accounts that are paid as agreed. Your score was impacted because the number of these accounts is too low, or because you've missed payments recently on some of your accounts.

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I joined KGS 4 months back. I am taking home loan now. Do I need to inform about my home loan to any one in our company? Any one please help me with this query? Infosys KPMG Tata Consultancy Accenture PwC Wipro EY Cognizant

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Anyone else seeing these tech stock prices? Go check AMZN, MSFT, and AAPL

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Have anyone hit the jackpot with crypto currencies?

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Best way to use Amex Concierge? First time with so not sure what best practices are (do I need to do research ahead of time or are they basically like a personalized travel agency)

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Soon to be making 85k in LA, looking to move to a new apartment. What would you think is reasonable to spend on a 1 bedroom (not studio)?

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Are people still buying Bitcoin at these levels?

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What will be the inhand for this with proper taxation?

P.s: want to compare with another but fishbowl don't allow to add 2 images
I just shared that too a while ago.

Please help i think the gratuity is extra

Post Photo
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Alright this bowl has convinced me I need to buy a Rolex. Where do I begin? I know my brother got a Batman GMT after about a year at a jeweler he never purchased from a few years ago, but was he just lucky? Do I need a relationship with an AD in today’s market for a Sub or GMT? Based in Seattle but would prefer to buy in Oregon to avoid taxes

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How do I make millions?

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Anyone here got an idea of how much they made this year? I made around $65,000. With loans around 220k, I feel like I’m ok where I’m at after 2 years out of law school. Anyone got similar stories? Reading posts about pay makes me feel impoverished.

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At what point do you start paying taxes on your side hustle?

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I completed 4 years in JPMC , every year I got double digit hikes >12%, and bonuses >3 lakh and increasing . last year I got promoted to 602 with bonus >5 lakh, I am getting interesting offers outside should I stay or leave ? Also, I need 11+ likes to unlock my dm . Please like 🙏

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PSA to anyone doing transactional work - learn to make an org chart in Microsoft office using SmartArt. It’s super easy and for some reason Borrowers and Lenders both seem incapable of making them so you’ll look way smarter than you are.

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Project ends soon, looking to switch over to Accenture, Strategy& etc. Anyone have any opportunities? Actually looking to travel for work for a little bit

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I know this is the DC bowl, but does anyone live on or near Georgia Ave in Silver Spring? I’m moving across the country to the downtown silver spring area and am considering moving into the Thayer & Spring building. Can anyone give any insight on the noise level?

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How do you get used to someone looking over your shoulder and watch you design? It makes me so nervous

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Anyone who transferred to UK or any other country from India from RWE pod ?

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I thought this question would be best for partners who’ve been in the industry for awhile...

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Why did you decide to leave your first firm job? If you had a chance to jump ship but stayed, why did you stay?

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A summer associate has a side hustle business. It’s ok until they are barred right?

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Does anyone know the starting salary for Jackson Lewis in the firm's Connecticut office, as well as the billable hours requirement?

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Any ID attorneys get their CPCU? Trying to make myself more marketable as claims counsel or in-house for a carrier (not doing ID).

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is anyone here still using hookup apps during the age of corona?

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PwC dudes and dudettes, how do we all fee about the recent weight management benefit? Haven’t looked into that much it yet but it seems to be pretty useful.

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Amex platinum question - can the global entry application fee waiver be used for spouse? I’m the only one on the card. Do they check for the name on the application?

I’m an Account Manager looking for a career transition into Product Marketing, what steps should I take?

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Raise your hand if your Adderall is losing the battle today! 🙋‍♂️😜

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@microsoft folks, any prep advice for a Senior Business Program Manager interview Friday? Especially coming from consulting? Got 3 interviews with people from the team on Friday

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in live hirevue interviews, can they tell if you switched tabs? I have a few notes on my computer id like to refer to if possible

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Additional Posts in Personal Investment Chatter

What are trading policies in MBB and Big 4? See all these posts about buying stock, while here I am at BCG basically limited to only ETFs by our trading policy

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Any tips on where I can invest 200k right now? Goal is long term wealth building and nothing much else. Country - US. Age - 26 (So I prefer to be agressive)

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Has anybody transferred 401k to RRSP?

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X Financial (XYF) - China-based company - IPO tomorrow. Who is buying?

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Has anyone used CrowdStreet? I am currently investing with Fundrise but the returns on CrowdStreet seem more attractive.

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Should I keep investing all my extra savings in the stock market? Its return is no brainer long term but part of me wants to diversify elsewhere. Real estate is not an option for me right now.

Anyone feeling the same?

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Need help. I have $13k saved for my kids age 6, 9, 10 in just a high interest savings account which actually decreased to only .50APY. Looking to move it or do something with it to help it grow more than a few bucks a year. What are my options? Not sure if they'll go college route or where life leads them. I'll be adding approximately $300/month this year to the savings.

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Hey 🐠 , how do you guys shop for car insurance? Having a hard time finding a true aggregator site for comparison—they all direct me to individual insurers for quotes. My rate at GEICO just went up 40% so want to shop around a bit…

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Best robo advisors for new investors?

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What is the benefit of consolidating 401Ks into one account?

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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

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Why would you ever want to rollover your 401K into an IRA? It seems like doing so would essentially prevent you from successfully being able to do a IRA to Backdoor Roth IRA conversion due to the pro-rata rule. Am I missing something? Wouldn’t you always want to just rollover your old 401Ks to your new 401K?

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Anyone here do options to hedge their investments? Where can I learn the principles and techniques behind it?

Hey 🐠,

I am approaching the Roth IRA income limit, and have a pre-existing Roth IRA that was not converted from a traditional account. Is there a way for me to take advantage of the backdoor Roth loophole while funneling the money into my current Roth? Or, do I have to set up a new account, convert it to Roth, and make all future contributions into that account? I’ve already asked my broker, and they have not been the least bit helpful. Thanks!

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New year res is to be involved/learn about investing. Starting point is to find somewhere to park my efund/ savings for house somewhere short term....CD? Mutual Fund? Something else? Working with ~22k

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