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Multiple SDE 2 openings in Amazon Gurugram. Interested folks can drop resume to referral247@gmail.com
Subject: SDE 2 Referral [Company-Exp]
· 2+ years of development experience
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· 1+ years of experience with architecture and design (architecture, design patterns, reliability and scaling)
· Brings 4-8 years of software engineering and product delivery experience, with algorithm knowledge
I was interviewed for 2 rounds ( level 1 and level 2) for BA role in DBS Asia hub@ ( hyderabad). Later there is no communication from HR.. It's been 10 days since the level 2 interview was finished. Kindly let me know how to know the status of my application..?... I have applied through referral and through the career portal... Does it take so long??!
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What’s your firms 401k vesting schedule?
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I have a current CTC of 6.6 and Mastercard is offering 8.9 (including variable ) . I also have an offer from infosys of 10 ( including variable). Which one should I pick considering work life balance and appraisal.My entire doubt is that will they bring me on market rate after appraisals as currently they are not offering very good hike.
I will be joining HR team
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Thats how I was a few months ago. Switched to the opposite, 25% cash, 75% invested across markets/investments in June. Interest rate in savings account doesn’t even make up for inflation anymore so my personal opinion is move it to markets. Can pick etf’s if you want to play it safe. Also, im slightly younger so my risk tolerance might be different than yours.
I didn't have a IRA until early summer (27yo). I would look into adding that to your portfolio. You may need to look into a backdoor Roth given a salary over 135k? Also depends where your at in life. With a Roth, you can pull after 5 years of having it, but for me, I could only put in 6k, then 1.2k prior to trying backdoor next year so it's not too much money I'd be desperate to pull.
I’m 22 just started work, I have $12k in bank and ~9k investment portfolio value
I mean after taxes my signing bonus was equal to an additional regular paycheck, can’t complain tho
Based on the information you provided, you have way too much cash on hand. You should only ever have 3-6 months of living expenses in cash or a very liquid, low risk security.
This flow chart shows where you should be allocating any income over and above your monthly living expenses. Complete each box then move down and to the right. This approach is best practice for almost anyone, barring some extreme edge case scenarios. Note that 'debt' below excludes mortgage debt and that the Company 401k limit is now $19,500.
This is helpful
That's crazy. Especially with the fed pumping in money supply.
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I’m 26, have about $150k in equity and $20k cash
$1 at 40
23 yrs old. 80% invested and 20% on in Checking/savings
I’m 23 so just started but have about half invested half in cash as emergency
I agree with d2
I keep very little in cash ($15-30k), but have more in real estate than in the market. I have an established equity line of credit on my house that acts as my emergency fund, so I can tie up my cash for more productive purposes. You need to get that cash working. With inflationary pressures, the effective value is decreasing. I actually do the opposite (invest now, save later) and stay pretty leveraged due to my real estate.
23 - 36k in investments, 25k in cash
OP - so you’re maxing out 401(k), and keeping 85% of it in a money market account?
I would encourage you not to think about asset allocation that way.
Money in equities in 401(k) + of money in equities and brokerage account = money in equities
Same for cash. Same for bonds. 
I have $110k in a post tax account that I actively trade. I always have about 20k in cash. Right now about 55k in cash as I have exited waiting for the next pullback.
Makes sense. With how high the market is now, I’ve considered selling off and locking in gains. It’s just hard since I would have to have my timing right twice to make it work, which is hard to do. Would probably buy back in increments when the pullback comes. I only have about 100k in equities now so I may instead continue to accumulate cash and just dump extra in on the next pullback and avoid missing the gains we are seeing now. That’s what I did this spring and it worked well. Thanks for sharing your plan and perspective!
27. I’m about 30% 401k & Roth IRA, 40% brokerage, 20% real estate, and 10% cash in savings.
3-6 month of expenses plus the current month’s operating expenses
~20% cash (8 months emergency fund, 3 months of travel money I had saved up pre-COVID to travel between changing jobs); other 80% is in retirement and personal investments.
Around 50/50 right now. Far too cash heavy but waiting for market to seize. Would prefer not to just watch my work go up in flames because I think my allocations are off. 23 so risk tolerance should be lower, but again, we’re in dangerous market waters.
23, 50k equity, 40k cash
6 months non-discretionary expenses in cash. The rest is invested across a range of asset classes and account types.