I am starting personal investment now- please tell me if this plan looks good:
- Already have a 401k plan with max matching form my employer
- invest in 5000$ in S&P ETF
- invest 5000$ each in AAPL, AMZN, GOOGL,MSFT
- invest 1000$ each in Netflix, ADP and Home Depot
- invest 500$ each in Intel, Nike,Walmart and T-Mobile
- small amounts 100-500 in Merck, GE, Coca Cola , Altria and Samsung.

Thoughts? I plan to invest a little bit each month (200$) in ETF. Any suggestions?

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

Because the vast majority of people will underperform the market. I just buy the entire market. If you think you can do better that is your decision

like

Yes, you will get market returns every year guaranteed. Just remember that some years the market returns will be -25% or worse

Are you funding an IRA or HSA if allowed? I would do that before a taxable brokerage. I would also put more on 401k before brokerage assuming you don’t need the money soon. If you do, you should probably not invest it. I would personally skip the individual stocks an just use broad ETFs

likesmart

Yes I will start an IRA too, have HSA. I have reached the max on 401k and can’t invest more. Now that the stocks are down I would like to invest in them, along side I will be investing in ETFs too. Why do you think it’s not advisable to invest in tech stocks now? Could you please explain?

This is really heavy exposure to large tech companies. You have around $32k and you are putting $20k in 4 giant tech companies. Overall not very diversified. Unless you are in love with one of these and think that the market doesn’t understand how great they are, I would move more to SP500. Additionally owning $100 of something isn’t worth doing. If it returns 1000% you haven’t changed anything.

like

All these make up the sp500, you’re just making it more complicated by breaking it out and trying to beat the market.

like

S&P500 will give you exposure to those stocks. Is it worth the additional complexity to get additional exposure to certain components of the S&P500?

I'd do the first $20k to an S&P500 fund, then if you must pick one or two specific stocks and do $1k to each, then back to S&P500 fund going forward. Alternatively you could add in an ETF like VUG if you want additional exposure to a certain basket of stocks.

like

Buy QQQM if you’re wanting tech exposure

like

Related Posts

When leaving a company, what do you do with your 401k and ESPP accounts?

like

Hi fishes,

My CTC is around 12 lpa per annum. How can i avail max tax benefits?

like

Hi, I graduated with a bachelor in Healthcare Management and I currently work for McKesson Canada as a team lead for patient services. I am thinking about doing a masters degree in either Healthcare Management or Public Health. Which one should I go for? MHM/MHA or MPH?

like

I'm set to start January 31st. Do my medical benefits start on that day? I have to get some medications filled at the pharmacy and am wondering how quickly am I able to get my medical account set up.

like

I’m contributing post-tax 401k offered by my employer to take advantage of the mega backdoor Roth. How often do people roll it over to their Roth IRA account? Like every month? I understand that any gains rolled over would be subject to tax but don’t expect it much given the market is down currently.

like

Any ideas about the type of “healthcare” roles in Amazon, Best Buy and Walmart? FYI - background is strategy consulting in health.

like
like

How has Covid impacted your fringe benefits? Travel perks (miles, points, per diem, meals, client events, etc.) we’re a major selling point in joining my firm. Our travel has been all but slashed, but I’m not seeing any consolidations to make up for these lost benefits.

like

TIAA Vodafone
Hi fishes,
I have offers from both _VOIS and TIAA
Need your help to understand how which would be better in terms of WLB, culture and overall benefits.
YoE 6 years
TechStack : Cybersecurity (IAM / SailPoint iiq development)

like

Concerned about pigeonholing myself in life sciences and healthcare if I stay at ZS since that’s what we’re known for. I like the people and the company but not looking to stay in healthcare long term. Any ideas or thoughts?

like

180K saving, 180K 401K, 12K HSA, annual salary 120K, a townhouse ($2900 per month) can I raise a kid in Seattle?I am a single mother

like

I’m surrounded by all you smart people (well most of you)... what’s your saving strategy and why? Tell me the following:

Salary
Rank
Total savings
Net worth
Debt
Home owner (Y/N)

like

Which industry (Healthcare vs. Financial Services) has the higher demand for privacy professionals (risk and compliance)?

like

What would be the In-hand salary for 25lakhs fixed CTC. Considering 1.5lakhs in 80c, 50k in NPS, 20k per year in health insurance l, 35k rent per month Thanks in advance guys.

like

What are LEK benefits?

likefunny

For the monthly expense reimbursement, how does it work if I choose it for my cellphone, is the amount added to my paycheck or I have to submit my bill each month in the expense account? Thanks

Post Photo

Has anyone dealt with submitting domestic adoption costs for reimbursement? Do we just email them our receipts as the expense has occurred. Is there forms to fill out as well? I just started the process and made my first payment and want to know how to submit.

Do people use their HSA to actually pay for health expenses or just as a triple tax advantaged savings account for retirement? Seems like all talk on here emphasizes the tax benefits of it, so I am curious if people use to spend or just save

likehelpful

Hi team ,

I have started working from jul2019 and I have filed my tax return for 2020 and 2021 tax years.


However I note that there was withholding of some amount in 2017-2018 and 2019 tax years ( withholding from comission received from insurance commission from lic and United india)

I have not filed 2017, 2018, 2019 return as my total income was less than threshold

Is it possible to file return for 2017 , 2018, 2019( all r in refund) now without paying any penalty?

like

Hi friends! I’m planning on moving in with my long term boyfriend. He makes about 60-70k and I make 105k. Originally I was going to split rent equally but the feminist in me says it should be split based on income. Have you all been in a similar position and what was your decision?

like

More Posts

Can you please suggest how to apply for companies offering onsite opportunities in australia or canada

like

Is there anyone from McKinsey public sector available to tell me a bit about the work-life balance etc?

like

I am at Deloitte at 160 have three offers to consider
1. Citi around 185 to 190 no signing bonus 2. SMBC around 170 to 175 with 15K to 20K guaranteed bonus to be paid in middle of the year 3. KPMG around 190 to 195 with 10K signing. Which one to take that would give me better exit opportunities? Thank you for all your help

like

Feels like I’m losing my mind 😭 I keep seeing all these people getting junior AD positions but there have been zero postings. I’ve been searching for months since graduating and nothing has worked out. Getting kind of hopeless now...

like

What age was the youngest PPMD at your firm?

like

Best books on entrepreneurship? Trying to find a good birthday gift for a friend thinking of starting his own company and exploring business ideas

like

PwC India Do PWC India really pay 30% variable pay? PwC India PwC Pwc AC Deloitte KPMG

like

Anyone believe CFP's do a better job than non CFP? Or is it mostly a marketing plan?

like

What are the qualities of your ‘dream manager’? (Creative director)

like

Hi folks, Any idea on wlb at @KPMG for Data Engineer role.

like

Anyone in Miami? Relocated from Eastern Europe looking forward to making new friends/connections 🙂

Hey Fishes,

Did anyone attend interview for BI ETL Developer position at Zscaler.
Wanted to know the interview process and type of questions they ask.

Thanks in advance. 😄

like

Searching for Abinitio Support roles. Current technical support lead in TCS with total 6.10yrs exp. Relevant experience 4+. Pls share opportunities.

like

Larsen & Toubro Infotech I got an offer from LTI of 13 lpa. I am having 4 years of experience so should I go for it or negotiate this. Larsen & Toubro Infotech
Fixed is 12.4 lacs
Variable 60k

like

Hi All! I am currently seeking a remote HR Generalist role. I have a broad range of experience over ~5yrs at a 500 person global tech company. Most relevant projects/programs include developing and leading global CSR, well-being, culture/engagement initiatives, event management, LMS admin, 1yr handling US health/401k benefits, solo office manager for 3 US offices, + 2yrs as AR Specialist (all overlapped). Looking to dive fully into HR, would love to connect or can share my resume. TIA!

like

Drop TV show emojis and let us guess. 🤔💭

like
like

Deloitte USI Hiring!
DM me for referrals and incase if you couldn’t due to likes or something, you can comment on the post…

Post Photo

If I’m looking at relocating across the country, do agencies normally offer some relocation money as part of the offer? What would be the standard to ask for?

like

There is a special place in hell for people who merge cells and add spacer columns.

like

Additional Posts in Personal Investment Chatter

Is BRK-B a buy right now?

like

Do people use their HSA to actually pay for health expenses or just as a triple tax advantaged savings account for retirement? Seems like all talk on here emphasizes the tax benefits of it, so I am curious if people use to spend or just save

likehelpful

People investing in rental real estate what’s your ROI this year? My profit divided by current value is barely above 3% (and that’s with no renovations and 100% occupancy). Should probably sell it and invest elsewhere...

like

Where do you go for stock market news?

like

Any online savings account recommendations?? Want to get a gist of what comps ppl are using. Please and thank you!!

like

Best investment book recommendations?

like

Are there any circumstances in which the giftee would pay to gift tax? I thought no, but I am now hearing there are situations where that would be the case. Can anyone with experience clarify?

like

Is it wise to buy a property for renting out? I bought a house last year with mortgage. Now saved more money in bank around 100k. Should I put the 100k into my current mortgage to get it paid off...

likesmart

New hire out of undergrad thinking about investing/saving—seeking advice. Details in comments: 15k sitting around in checking/savings account with interest close to nothing. Been reading posts here an

On personal Capital, how many of you add the value of your car to your net worth

like

What is a good introduction book on investing?

what is the lowest 20yr refinance rate at NYC you see now? And where?

like

I’ve seen a couple posts lately with comments saying that people should not use a Roth 401k. Does the logic below capture the spirit of that concept?
1. Use trad. 401k to reduce taxable income now. Convert to trad. IRA once retired, then convert gradually to Roth IRA (ladder, SEPP, etc.) at lowest marginal tax rate
2. Use Roth IRA (and/or backdoor Roth) to take advantage of tax free growth and ability to withdraw principal early without penalty

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

thoughts on buying airline stock? delta?

like

Just opened up a Roth IRA with Schwab. what’s are good stocks/mutual funds that i should buy for the Roth IRA account?

like

How to rebalance my portfolio? I bought a majority of my investments in the worst market conditions in 2020 and so maybe I’m just jaded by my own previous success/luck with that. Should I be selling off the non - etf stocks at some point? Or do you just hold those for ever if they don’t go to shit (e.g. should have sold off my PLTR a long time ago but since i was mostly just playing there i have held) ? When to get out? How to tell if you’ve held long enough to avoid short term cap gains?

like

What are some good stocks to buy today?

like

Thinking of putting a large sum in ETF. Should I wait for the market to go down or should I go ahead?

like

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

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