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Hi All,
I switched to tcs few months back ,here project manager told me that work will be in Angular but when I got into the project it was only html,css and jQuery. now how can i change my project as current one is not going along with my aspirations. It's a technology which now no one uses much . Under my current client all projects are based on that only . Plz suggest that how can I change my current project .?Tata consultancy sevices
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What do I need to do to make a few million $ by 35?
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Consistent low risk high return is like finding the holy grail. A S&P 500 and NASDAQ index fund would be good for growth with medium risk. A dividend growth fund like SCHD would be good for low risk with optimum growth.
Don’t pick individual stocks if you want low risk
Nasdaq and SP500 is heavy overlap. SCHD isn’t tax efficient for a taxable brokerage account.
What is the money for and when do you expect to need it?
The amount you need in 5 years, money market account. The long term money, 90% in vti and 10% in vxus.
Rising Star
What’s your definition of low risk? A money market fund or bond fund will be low risk, probably around 3 to 4%.
VOO (or a similar S&P 500 fund) are pretty common. A bit more volatile, but also tend to return much higher.
High growth will mean high risk, so there’s no guarantee. You could go for a tech heavy etf, or if you feel like space will outgrow other industries, you could go with a space sector etf. Some people think crypto has a lot of room to grow, so theres that avenue as well. Of course, all of those may underpace the rest of the market too, so who knows 🤷♂️
Congratulations—that’s a good position to be in.
Without knowing your age, goals, or time horizon, I’d generally start by separating capital into a stability bucket and a growth bucket.
For example, some investors might allocate 60–70% to diversified, lower-risk holdings such as broad-market index funds, high-quality bonds, or income-focused investments, while placing 30–40% into higher-growth opportunities with greater upside potential and higher volatility.
The right mix really depends on when you expect to need the money and how comfortable you are with market fluctuations. I’d focus on building a portfolio that matches your objectives rather than simply chasing the highest returns.
Rising Star
How about VFMV for your lower risk and VGT for higher risk.
I completely agree with you; advance financial planning is crucial. I value liquidity more than locking up too much money in fixed-income products. After all, market opportunities are fleeting, and having ample cash not only provides greater flexibility but also allows you to seize better investment opportunities at the right time
They asked a question. What exactly do you agree with?
I might need half of it in 5 years and the other half can simply stay in the market.
A shorter term bond fund or HYSA, CDs, money market fund, etc. would work for the part you need within 5 years. They rest I would put in something like VTI and something like VXUS.
Chief
What is this money for? When will it be spent? What are your objectives? What are your finances like in general?
FTEC, best tech fund. It is not high risk, high risk is ark funds. Ftec has low expense ratio compared to qqq
I would recommend dollar-cost averaging (DCA) the additional funds into broad market index funds over the next 12 months. In the meantime, keep the cash in a high-yield savings account (HYSA) or certificates of deposit (CDs) so it continues to earn interest while you gradually invest.
That said, the approach should also be guided by your overall portfolio composition. If the $400,000 represents only a small portion of your total investable assets, I would be comfortable accelerating the deployment schedule and completing the DCA process in less than 12 months. Conversely, if it represents a significant portion of your portfolio, a more gradual DCA, like 2-years.
I would diversify the funds into s&p500 (FXAIX), international (FSPSX), and a small/mid size fund (FSMD). Whatever you put in the equity funds I would do a split along the lines of 50%, 30%, and 20%, respectively. Depending on your age you may want to put 10-30% in bond funds.