How would you diversify 100K

like
Posting as :
works at
You are currently posting as works at

Send me 25% of it via Venmo
Send me 10% via Zelle
Send me 15% via Facebook Pay
Send me 15% via Google Pay
Send me 15% via Snapcash
Send me 20% via PayPal

Diversification.

likefunnysmart

Add BTC for a small allocation

like

You could throw it all into one total market index fun etf and be diversified.

smart

Target fund is even better IF you're okay with the methodology and timeline. You can just set it and forget it. Personally, I'm more aggressive than target funds so that's why I do my own mix.

Depends on current age, risk profile, and timeline to cash out?

31, conservative would like to be higher than savings account interest rate, and no timeline

like

Chuck it into S&P500, NASDAQ and bonds

Low expense ratio ETF like VOO.

I personally have some emerging markets and tech ETFs as well, but those are personal preference.

VWO
CXSE
WCLD
VNM

Just based on where I’m personally long, certainly not investment advice.

Do you have any debt?

Bogleheads recommends a 3-fund index portfolio

like

Index funds are fine, but you’ll never get rich from 10% a year returns. If you are in a financial situation where a $10-20k loss wouldn’t kill you, I would take about 25% of that for single stocks you have high conviction on based on current trends. High risk equals high rewards and there’s no easy way. Retail investors have so many resources now compared to 12 years ago when I started.

Btc. You can thank me in 10 years

All is mutual funds with good track records. Can’t go wrong.

Related Posts

Are there any product owners in the house? If so, please send me a private message. Thank you in advance.

Hi there! I'd like to DM some people, and hoping to get some likes so I can get started. TGIF - Anyone out there?

like

Pet Peeve: organizing after a lazy support staff just collects stuff for a new client file

likefunny

What has been the experience of people using Sarwa?

likehelpful

Is it just at my job or does anyone notice their account team never gets laid off?

Not one person from our account team has been laid off during this pandemic but our creative and production team that were already small, has been cut in half.

In an email wrapping up the lay offs, management wrote “there isn’t enough work for everyone.” But how is there still enough work for an account team that’s triple the size of the creative team, after the loss of three major clients?

likesmart

Looking for book recommendations to brush up on Revenue Cycle, general consulting skills/framework, or anything healthcare. Currently in EHR implementation and wanting supplemental info to help myself

like

Questing as a hiring manager/hr assistant/ employee relations with a Ba in dance and 2 yrs work experience. What do you think my pay should be? I do payroll, performance reports, employees relations, work culture, all training to staff, floor supervisor? Plus much more

like

WLB advice needed, fishes. When my kids (9 and 7) weren't at school, my job was AMAZING with letting me disappear from meetings to dispense snacks and just generally keeping a whacky schedule because I needed to take care of my kids since they were home all the time. With schools back to in person learning my job is understandably tightening up expectations again, even though we are still working from home. My kids don't understand/ like it AT ALL and when they get home from school they just want daddy and feel like I'm ignoring them. What do I do??

like

#Need referral

Working as ETL developer having 2 year experience in Data Stage, python, Unix
Currently Serving Notice Period : LWD: 30/1/2023.
Current offer :. TCS - 6LPA
Looking for better offers and refferal.


#referral #TCS

like

Narrow or wide lapel?

Post Photo
like

Hi,

My husband having total 8.8 years exp in IT industry. He has 4 years exp in cyber security domain.
Can anyone please refer him. He resigned tcs and currently looking for job change.

Location : chennai
Current ctc: 7.6LPA

like

McKinsey & Company + Boston Consulting Group people: I need a hand. I’m trying to figure out the expected first year comp, bonus and signing bonus for someone coming in at the Associate or Consultant level. Help?

like

Hi everyone. I’m trying to transition from working at a non-profit to a more profitable position within research. My current title at my org is as a CR-assistant. Any suggestions of good transitional positions within clinical research? (That could be done remotely). Thank you!!

Not sure how I feel about recruiters texting me. I like the attention of course but it’s like they’re invading my personal space. Or maybe I’m just old.

like

Started career in SAP consulting but would like to pivot into sustainability and environmental consulting. Does my current work-related experience disqualify me for jobs in this field or what should I do now to make myself a better candidate for jobs in this space? Any companies I should look into with sustainability practices?

like

Hey folks if any one is looking here to work with TD- Canada. DM me and let me be of help to you!

like

Wondering what is the average pay rate for Medical Assistant in Buffalo N.Y. With 8 years of experience I been making the same since 2020 the pandemic $18 an hour

like

How long Schneider Electric takes to release offer letter???

Anyone know of any US sponsorship remote jobs or where I can look? Asking for a friend.

like

Additional Posts in Personal Investment Chatter

Hi there - new to the bowl. For those that have pretty large savings/investment account balances and net worths north of 300k or even 1MM under the age of 35, can I ask how it is you’re accumulating? I have a 90k salary, living in NYC. Trying to max out retirement accounts, net worth of approx. 150K+. There isn’t much room for extra savings after-taxes and expenses etc. Is my most important goal to seek a large pay increase? I don’t see how else I can accumulate as exponentially as others. TIA.

like

Advice for boxes to check/things to confirm before putting in a 2-week notice?

I have a 401k, vested stock, etc.

like

I deposited $1k into my Roth IRA about 2 weeks ago. Circumstances have changed and I’d like to take this uninvested cash back to my checking account. Is this possible without a penalty?

like

Can I get a lesson on 529s? We’re expecting our first (!) and I know this is another vehicle to take advantage of, just don’t know where to start. Live in OH if it matters.

like

Anyone with some interesting free investing e-book to share. I would like to keep my busy during the holidays reading to understand the basics of investing. Please help me!

like

New to 401k, account in Fidelity. Which funds should I allocate my money?

like

Just sold off my shares of ARKK. Sorry Aunt Cathy. Stagflation is coming and I couldn’t take it any longer.

like

What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!

like

After learning how credit utilization impacts one's credit score, I just raised the limit on 2 of my credit cards. I opened 2 cards last week in order to take advantage of cash back bonus deals.(cont)

like

Isn't this the real question:

What's the short interest?
If it's still high (~100), that means those hedge f-ers are still in their short positions, there for the squeezing.

like

Rblx free fall lmao wtf

likefunny

Need some wisdom on my potential error:
I recently stopped contributing to 401k to put that money into paying down massive MBA debt instead.
I know there are tax savings and money will grow at compound rate, but paying off debt that will severely limit my short term options is also important no? Also, I have a regular brokerage acct w/ Betterment that I'm treating like a 401k (won't touch it, will add to it eventually), but unlike 401k it provides liquidity if i need it.
Thoughts?

like

Top 5 stocks for the next 10 years? TSLA, AMZN, AAPL, SQ, SPCE

like

Reading alot of articles saying banks raising mortgage down payment minimums to 20%. (I know all the benefits and why it’s best practice) that being said any thoughts on how long that will last?

like

Opening a vanguard fund and realized I linked the wrong account (savings vs checking). Do I need to make a transfer into the account before I can add another one?

like

I feel like I have no idea what I am doing when investing in stocks/real estate. Any recommended books/videos? Thank you

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

At what HHI would you/did you feel comfortable buying a $1mm house?

like

Is Real Estate going to keep going on a tear for the medium term -i.e. 5 to 10 years? How does it make sense that rents go up like ~5% yoy and prices go up way more yoy. Cap rates are so thin already. Rates are obviously low also but how is this sustainable?

Read in a recent Morgan Stanely report that re is only leveled 5% v. 40% in 2007-08 so there's still room to grow but really? Trying to do some 1031s but might just keep the cash maybe...

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