{ "media_type": "text", "post_content": "How do you ladies invest (outside of 401k/employee stock purchase plan - already maxing those out!)/how have your investments done? Just finished my first year of work and have a stupid amount just sitting in my savings account that I know I need to invest ASAP! Not sure where to start! Thank you!", "post_id": "610b25260673770021166a00", "reply_count": 5, "vote_count": 1, "bowl_id": "59e88be7e2808e00149b0443", "bowl_name": "Women In Consulting" }

How do you ladies invest (outside of 401k/employee stock purchase plan - already maxing those out!)/how have your investments done? Just finished my first year of work and have a stupid amount just sitting in my savings account that I know I need to invest ASAP! Not sure where to start! Thank you!

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Max Roth IRA. and HSA if you have that. Then open a taxable brokerage. In terms of your investments in these accounts, I recommend a total market index fund

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HSA, and then I have a Schwab Intelligent Portfolio- I set in the risk I’m willing to take, and it does all the work.

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My current plan is Crypto now and real estate next yesr. Dollar cost average into BTC and ETH over the next 2 years and don’t watch the volatility. Or, accumulate more cash and buy real estate in about 6 months after the market corrects.

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Would definitely recommend looking into a Roth IRA. Annual limit of $6k as long as your under the income threshold (can always do a Backdoor Roth IRA if over). All earnings in a Roth are tax free so start maxing that out ASAP After that I’d prioritize contributing more to your 401k if you’re under the annual max individual contribution. And finally make sure you have safety fund of 6+ months of living expenses. If you’re doing all that with money leftover you can look into brokerages. HSAs as well but that’s assuming you’re not under anyone’s insurance anymore

ETFs. Buy and hold hold hold hold hold

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