I have 8K in cash my Roth IRA, and wondering if I should DCA monthly or invest in an index. I know...time in that market > timing the market, but I've also read the having cash on hand for the dips is a good idea. This 8K cash is about 3% of my total portfolio. Keep in cash or just invest?

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

Agree on dump it. You’re playing the long game. Take the stress and emotion out of it, put it in, and don’t look back.

likesmart

I would at least invest most now. If you want to keep a little to buy a dip, go ahead but what makes you think a dip will take the market where it is now? It is essentially trying to time the market.

like

I get it. If the market dips you look brilliant but if the market goes up 20 then drops 15 and you buy, you are losing. I just invest right away because I don’t know any better

I say dump it. Otherwise you might forget or wait forever for a dip.

like

I’ve always heard that, especially in tax advantages accounts, you are better off not holding cash and investing right away.

Everything is a good idea if you can time the market. But can you!

I would add that if you hold any bonds in your portfolio, many don’t. I do because I am old. If you do, you could hold some in the Roth to take advantage of a dip. It might make sense if you already hold the bonds. I would rather not just sit on cash for that purpose

Related Posts

Hi everyone!

Wanted to know if Amex uses a lot of proprietary softwares/ processes which have no value outside of Amex?

like

Product Manager in SLC average? Well established tech company

Can I afford a $4k a month mortgage (includes taxes, ins, hoa) on $11k net salary (max 401k and taxes) ? No other debt except car payment at $375. Getting nervous I bit off more then I can chew.

like

How do people feel about Tesla ? Buy ?

Real estate help: Boyfriend and girlfriend buy a home together with a loan from bank. Boyfriend and girlfriend are now separated and both agree that girlfriend will live somewhere else. Both agree that they would like to take girlfriend off the deed but also off the hook with lender bank. What would you do in this situation as attorney for girlfriend?

like

How do I legally gets my hands on $100k that my future wife wishes to hand me over for investment purposes (she is outside the US). We won’t be marrying for another two years. Thank you!!

likefunny

What are your experiences with buying or selling homes on leased land... Is it really a secure investment, or could they just take back the land whenever they wanted?

like

Let’s get this bowl active and going. What are ATL fishes doing for fun this weekend?

Hello Gang, I’m on the business side for Walmart right now. Walmart Global Tech recently offered me a role to move to the San Bruno office, but I’d be taking a demotion from L6 to E5. YOE: 8, COMP(200k base, 25% bonus, 100k RSU). Is this competitive in the bay? I have Doordash and Instacart in the pipeline, but no final offers yet.

like

Can anyone describe the overall competitive landscape of strategy consulting firms in SEA region?

Hi all, I have a question regarding retirement accounts. I am not sure if I should choose a Roth or 401k (company has 4+2% match). Currently 23, base salary is ~100k and investments have brought 45k this year which has me teetering between a 22-24% tax bracket. Wondering what the usual tax bracket is of people retired (around 65yo) as I’m not sure anything would bring in significant income with the exception of investments. In my case would a Roth make sense? Appreciate any answers!!

likesmart

Anyone use EQ bank? What is your experience with it?

like

Will mods hurt the resale value of a car? I'm considering selling my daily and am debating on whether or not I should put the effort in to return it to stock.

like

I have $20k student loans and have been paying $1k per month throughout pandemic to lower the balance. Would you continue to do this? I could pay them off, stop payments in hope of debt relief or keep up with current strategy. TIA

like

Anyone have experience using John Hancock as a 401k provider?

like

Program Manager Healthcare Foundation $85,000. Worth it? Or too low?

like

Based on the Gross salary offered I have calculated the in hand salary per month would be around 152000 considering 150000 in 80C, 50000 in NPS and 200000 deductions due to home loan interest. Total tax liability is around 400000. Any other options do I have to save tax further (other than HRA, LTA)? Thanks in advance.

Post Photo
like

My partner and I are in the process of buying a PHEV that qualifies for the full non-refundable federal tax credit. We will both owe taxes in excess of the current $7,500 cap (will see if that increases with the new budget bill). If we both own the car (i.e. both names on the title), how do we manage filing for the tax credit when filing separately? Do we just pick one of us to file? Is there guidance on splitting the credit across owners? Does it matter what order our names are on the title?

like

If I had a realized capital loss in stock last year can I use that to neutralize any realized crypto gains this year ?

Investment advice for a junior associate (with minimal research or effort). Young with minimal expenses, so open to any and all suggestions.

like

More Posts

Need likes to DM . Please .

like

Any advice on where to repair Cannon lenses in LA? (aside from Sammy's & Cannon repair center)

How can I live with my decisions and stop changing my mind about things?

like

Im a RN and took on a new role working in Home Health. I chose this position because My husband & I recently moved to PA with our 2 kids (1&3), with no family available for his residency program with a hospital. If you know that life, I’m pretty much the main parent for our kids. I don’t want to work in the hospital/floor work anymore; nor do I believe the hrs are flexible enough. I need a job that’s flexible for the kids but pays >$44/hr. Maybe remote or hybrid? Please help w/ suggestions.

like

Citiustech Healthcare Technologies

How is Citiustech to work with and how is the work Life balance and security aspects here?

like

Hello fishes,

I am on notice period and m joining TCS by nex tmonth
end.now I received the CTC revision of 9.8 which was 8.9 by before ....in TCS offer is 15lpa..is it can I ask the HR more like one lakh plus as they revised me in Cognizant? Or shal I just move on ?pls guide me will TCS revise ?

like

Any idea what kind of succulent this is? It's growing funny and I don't know how to make it happy. 🤣

Post Photo
like

Hello everyone. Vinit Desai 📍London.
I have just graduated with a masters degree in finance from Warwick business school with over 3 of years of asset management and financial consulting experience.

I actively looking for financial roles ranging from IB, private equity, mergers and acquisitions. I'd be delighted if anyone would pass on a referral for a role they see open that aligns with my profile.

Here is a picture of my nephew who is the apple of my eye (the likes could help)

Post Photo
likeuplifting

Are IQVIA and Foresight different companies? Or
are they the same?

Recently accepted an offer for a manager in Bizops in Ad sales for a tech firm. Curious about the growth opportunities in this area. What do folks do after 2-3 years in such roles ?

like

Will Accenture match the package of existing best performance people with laterals doing less work with same yoe in the same team if they are working

like

Any good course on Udemy for Learning AWS Services for a Developer.

I saw some good courses for getting an AWS Developer Associate certificate certificate.
Do these courses explain concepts or explain the question to answer?

I mainly focused on learning AWS Services for working on AWS Services.

like

I’ve been on an H1B for many years with an approved I-140. Can I work outside of the US for 1 year (in Canada where I am a permanent resident) and come back on an L1? I understand the green card processing time on L1 is significantly faster.

Looking for professionals who have public accounting/external audit experience who are looking for a career change. I have a Firm funded round(s) of golf (or coffee/drinks for non-golfers) to share more insight on a career at Siegfried. DM me if you’re interested!

Any tips for PM Non-tech L6 middle mile? Should I prepare SQL and python also?

like

How many days before onboarding mail came for BOA?

like

What is the expected salary for Manger postion with 14+ experience in HSBC

like

Which company is better to join as BigData Devloper\ Data Engineer?

Persistent - 25 LPA fixed
Deutsche Bank - 25 LPA fixed

YOE- 6.5
@persistent@Deutsche Bank

like

Anyone else struggling to make meaningful friendships in b school? It’s only been two weeks but I’m struggling to go beyond superficial talk with anyone

likefunny

Additional Posts in Personal Investment Chatter

What is the best way to get euros out without fees and at the actual exchange rate? Is it best to use an ATM at the destination or is there a better alternative?

like

Recommendations for a Roth IRA?

like

Anyone invested with QQQM or QQQJ? Thinking about splitting a chunk between both.

like

Anyone having experience with opening a brokerage account for an organization (single member llc ideally)? I have a question regarding the set up.

like

2017 Lexus IS 200t F Sport for 32k plus taxes...? (33k miles) Yay or Nay?

like

I have a 401k still in the Deloitte plan. What are your thoughts of rolling it into my current 401k or leaving it where it is?

like

31, $155 base, expenses 2300mo, 30k investment, only debt is 500k house. Is it too late? How far behind am I? If I throw all of my cash moving forward at investments and mortgage can I recover?

like

What is the deal with online lenders for mortgage? Has anyone used them or know why they are substantially cheaper rates? What’s the downside?

like

Just hit $100k NW today and it’s pretty exciting for me. I was at -$50k (student loans) before graduation in May 2019.
No crazy luck in crypto or investments. Just basic saving, 401k, ESPP and low expenses. Next step is to start investing by myself and taking some risks!!!

TC: $82.5k

Post Photo
likeuplifting

I hope this bowl doesnt become just another WSB 😭😭😭 All I see are 🚀 and GME 😭😭😭

likefunny

Wohooo if you kept it for 3 more days you could have made 35k !!!! Wohooo !!!

Post Photo
likefunny

Finally have built up an emergency fund after 2 years of working! I’m looking to move most of it to a high yield savings account (and then start investing, woohoo) but not sure which is the best one or if certain ones have better services etc. I’m looking at Marcus just because it seems to have the best rates right now but any info helps! TIA

like

Any tips on negotiating apartment renewals for large buildings? Just got a renewal offer for my 2BR apartment… it’s 20% higher than my current. I can afford it but damn that would be a bummer

like

How are you all determining the future cost of college and target levels of investment for 529 accounts? Having a hard time seeing how 100k for college in 15 years is realistic. Also don't know the right level of savings to target (50%? More?).

like

Can you set automatic investments in TD Ameritrade? Looking to DCA at the start of every month into index funds without having to manually buy. Thanks!

like

What were people's 401k /pension balances at 30?

Feeling behind at $40k but making big headway now saving 10% and pwc wealth builder at 6, (26k a year on 160k)

like

Microsoft vs Apple vs Amazon, please suggest

like

Are we headed for the long overdue crash/correction - red everywhere 👀

likefunny

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

Scan your QR code to download
Fishbowl app on your mobile

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