Is there a FIRE recommended resource for how to structure investment portfolio @ different life stages - e.g. how to invest when still tackling loans, after purchasing a house, etc.

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

I think the reddit personal finance wiki links to a flow chart.

like

I'd suggest reading A Simple Path to Wealth, but the gist would be 100% equity index fund (S&P 500 or total us stock market, assuming you're in the US). While you're still saving/accumulating just go all in on stocks. It's only the last year or two of working and the first 3-5 years of retirement where the asset allocation is trickier. (The blog Early Retirement Now has a good series on sequence of return risk that lays out why and strategies to approach it.)

Related Posts

What do you consider to be a toxic work environment, exactly?

like

How much does KPMGs deal advisory & strategy team make?

funny

I feel like I've been stuck at $75k base for too long. How do I jump?

like

Is there anyway to pass off 2 years of p&c underwriting and 1.5 of management liability underwriting as 3.5 years experience? All at the same company. I want to apply for roles as a senior underwriter.

like

Is there any way to get a job overseas in PMO role?
Any experiences? Process?

like

Best consulting companies for Healthcare related projects ?

Could use some perspective from folks here! I joined as in-house counsel from V20 recently. When I interviewed for the position, the hiring manager explained the team structure and broadly gave me a career path in the company. The day I joined I learned of a long term secondee who’s around my same level that they’re planning on bringing in with the exact same job description as me. I feel extremely frustrated and had I known this before joining, I might have made a different decision. Contd.

like

Hi Fishes. Is there anyone who can refer me in EXL? This would mean a lot. Thnx in advance

like

Places for a solo trip near Raleigh ,NC?
Date: June end.

Recently i have received offer letter from Accenture and i realised that in EAF mistakenly i have filled incorrect 12th class percentage (89% instead of 87% ). Is that going to cause a serious problem?

like

Hey, how are you doing? What do you think about weekly meetings to talk with another creative to share/pass the time? Maybe it will be helpful to see or speak. Let's stay healthy!

like

Christian church’s in clt? My fiancé and I are looking for couples bible study groups and overall a good community.

like

Petition: let’s change it to JUDGEMENT once and for all.

likefunnyuplifting

How do you find scheduling to work the best for busy nursing units?

like

What’s a good rooftop to go to for happy hour?? Preferably on the west side for after work drinks

like

Hello Fishes,

Im a mechanical engineer (11 years exp). What are the new skills / skill sets we can acquire to be on par with market requirements ?
Thanks

like

Job alert people!

Hiver has opened up 2 new roles. DM me if anyone is interested I can refer you guys

1. Senior Product Designer
2. Staff Engineer

Hi Nagarrians,
What designation we can expect in #Nagarro if expected numbers given more than 34L?
Any other suggestions will be highly appreciated. TIA
@Nagarro

helpful

Is Kucoin down?

Prayers to Twitch. To have source code from the very beginning is crazy.

likefunny

Additional Posts in FIRE Financial Independence Retire Early

Does anyone here use dividend income to live off or fund parts of lifestyle? I’d like to get started now and hopefully have nice cash flow in some years

like

I am 37 and just started aggressively saving 4 years ago (beyond maxing my 401k). I have around $500k in retirement accounts and $350k in savings and investment accounts. About $200k in equity in my house (half paid off). Beyond maxing my 401k I have 6k/month I save/invest. Ideally want to retire in 8 years (45). What are good options to do with the 6k/month? Right now I just blindly buy mutual funds.

like

If you save you’re taxed. If you put funds in retirement account you’re taxed. If you trade you’re taxed. If you get a bonus you’re taxed. If you breathe you’re taxed. Federal took my money , now state takes it too. Guys is there a course on how to pay minimal taxes by investing in certain commodities?

like

Hey folks, very new to investing. I want to hold SP 500 in my Roth IRA. What's the major difference between Vanguard SP 500 ETF and the mutual fund which also tracks that index? Only difference I know is that vanguard mutual fund requires 3000 min investment whereas ETF doesn't. What other differences are there?

like

What to do with a recent windfall when the market is at/near all time highs? No debt other than mortgage and all tax advantaged accounts maxed out for 2021. Concern is leaving money on the sidelines but also investing all without dollar cost averaging.

like
like

Small update on my FIRE journey. I signed a contract yesterday to close on my 3rd rental property. #'s below. I'm doing 25% down. Once I have this 3rd one, this will bring my total monthly Cash Flow to $950 a month after all expenses, including setting aside 10% of the rent each month for maintenance/vacancies.

Post Photo
likeupliftinghelpful

Anyone use SoFi banking? What do you think of their member benefits offerings (e.g, free CFP check ins, events, career coaching, etc)?

like

Retired 1 year here at 57. What are other retirees doing with their portfolios? I’m 20% equity MF’s/80% fixed income (1-5 year maturities). Low tech exposure. This muted the latest downside, which I was anticipating.

like

How many FIers from PwC?

I am hoping to introduce a friend to FIRE. Any book recommendations?

likehelpful

What’s your savings rate?

like

Hey guys anyone know what the new ibond rate is gonna be? Looking to maybe stash some more money somewhere that’s not gonna go down right now

likesmart

How do you keep track of leverage in your investment portfolio? Do you have a template to follow?

like

I’ve invested some after tax money to my 401k and did an in-plan conversion to Roth. Am I able to transfer this money to my Roth IRA? Any particular reason it’s beneficial to do that besides potentially better investment options?

like

Does anyone have any inspiration stores of FIRE without an incredibly high income/family financial support. Looking for hope 😅

like

I need to do a backdoor Roth IRA - A question I have is do I need to do the full $6000 contribution limit up front, or can I do a portion, convert it, and then continue to contribute throughout the year?

Also once it is converted can I contribute to that same account in future years?

Thanks!

like

Just hit my first major milestone since starting FIRE and can’t share it with anyone I know. I increased my net worth 100k a year, on a 100k total salary, thanks to intensive saving and good investments and am proud of myself. I’m hoping with FIRE I can be out of the corporate rat race in just over a decade.

Post Photo
likeuplifting

First time home buyer -

1. looking for guidance on how to find credible mortgage lenders and how to shop/negotiate interest rates as well as the loan amount

2. Is it true that pledging your stock investments as collateral helps with getting a lower interest rate?

3. If I sell some stocks to go towards down payment, are there any strategies to minimize capital gain taxes on the stocks?

I’m in NJ and looking to buy a condo in north Jersey! TIA

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