I’ve been DCA’ing about 30% of monthly income into VFIAX/VTSAX. Given a raise this year, I’d like to keep putting same $ amount into those, but maybe take anything earned on top of that and diversify. Where would you diversify or would you just take the additional $ and dump into VFIAX/VTSAX?

*Note I am thinking about a down payment on a house within 2-3 years but can’t justify any type of CD given the rates, and not super interested in just having cash on hand (I already have an emerg. fund)

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

Invest in Ibonds if you haven’t done so yet

You are buying directly from the US treasury. Up to you if you consider that shady

like

You could consider some international exposure through VXUS.

Related Posts

How are you all going about continuing to buy index funds while everything is literally green and I see people doubling their investment in such a short amount of time. Feel as I am missing so much money that could’ve been made. But VOO goes up 1% :///

like

"Stock Market Today: Dow Starts Week on Strong Footing as Energy, Tech Gain"

like

Recommendations for am impromptu 8 day road trip from Dallas area early may? Parents + 3 year old in tow; enjoy nature, scenery, good food, anything with history. New to area so literally haven’t explored anything yet (but want to avoid Austin San Antonio trip)

like

What’s the fastest WI-FI provider in Austin? I have Spectrum abs it’s not fast enough for my house of 5

like

Hi, I have 2 offers below,

1. 50lakhs per year in Bangalore
2. €105k in Netherlands

Considering the economic crisis due to war, inflation etc. I am confused on which one to select. Please guide me.

likehelpful

Does anyone want a 2 tone Sky Dweller on Jubilee, black face? I got an allocation from my AD and don’t want to upset them by saying no. Deal would be at msrp + tax.

Post Photo
like

Hi fishes,

Please help me find out my take home salary and how to save maximum in tax. I am really new to this tax regime and not aware how to save taxes.
Please help.

Post Photo
like

Hi, Planning to invest 15K in Mutual fund every month

Can you guys please suggest me?

years=15

Canara Robeco Small Cap Fund Direct Growth = 5k

Quant Mid Cap Fund Growth Option Direct Plan =5k

Quant Tax Plan Growth Option Direct Plan=5k

Hi Friends, I have some responsibilities which I need to carry out for my families and dependents for which I need some money in the next two years.

I dont want to change my job just for increasing my salary as it would bring some extra pressure and other complications with it .

Please help me out in earning some passive income ..

any idea or suggesstions would be much appreciated.

like

What are some of the investing must-reads that you'd recommend?

like

I’m seeing lots of posts about really bad losses. If you trade you’re going to lose money - hopefully not all the time, but many positions will be mistakes. But you need a process to find ideas and manage positions. Two books you should read are “The New Trading for a Livinng” and “The Laws of Trading.” Both look at psychology, process, and risk in different ways that can help you work out your own process. The next 18 months will be much harder than the last 18 - time to start learning.

likehelpful

Which one would you prefer b/w local lender v/s establish financial institution when buying a home?
What are the pros and cons of each?

like

Looking for someone who is trying to cut down on expenses and save more. Anyone looking to get financial freedom or save up for a new business by a certain time period?

like

💥Relocated to NYC and my real estate broker has said it’s been hard to book any showings. I’ve heard in this market, having a broker can hurt you because property owners prefer to not split the brokerage fee & go straight through tenants. Is there truth to this?😫

like

Bought some litecoins on Coinbase - how long does it take for transaction to go through and owning the coins?

Any suggestions for books to read about any guide for buying house in Canada or on real estate in Canada ?

Thanks

like

TD Ameritrade, according to their required short interest reporting, report121% short interest still outstanding on GME

like

For getting promotion who take the main decision? Manager, Supervisor or HR?

like

Estimated tax payment question:
I converted $30k of rollover 401k into a Roth IRA and have $26k of realized ST Capital Gains this year (Roth conversion in end of Q1 and most capital gains in Q2).
My total federal withholding tax last year was approximately $12k and this year I will have 40% more in reported income on my employer W2 and anticipate higher that $12k federal withholding for my new job. Given this, what is the best way to go about making est. tax payments for the income (continued.)

like

Hello guys, can anyone please suggest how can i bring down the tax in the given CTC.
P.S : All allowances which i am not claiming will add up to special allowance which is taxable. No gratuity or insurance premium will be deducted from this CTC

Post Photo
like

More Posts

Just randomly browsing through Expedia. Check out hotel rates in Manhattan

Post Photo
like

Good gyms (besides equinox) that aren’t crowded/small?
Debating between Blink or Crunch, any preferences?

like

Any boulder (rock climbing) gyms you can recommend?

Hello! Anyone have any experience with ADP WorkforceNow? We were about to sign with Paycom, and move away from ADP, (who only does our payroll right now, no other services), but it seems WFN has come a long way in the last year or so. Can anyone offer feedback? Appreciate it!

like

How long does it take to implement a Plaid API product?

like

Hi Fishes,

I have previously worked for Reliance Jio, couldn't withdraw my PF money. How can I get that now ?

The pandemic has brought misery for a few sales organizations and unforeseen opportunities for a few others. How many folks out here crushed Q2? If so by what % did you exceed your quarterly quota? Did someone have their best quarter till date? Let’s celebrate some accomplishments!

likesmart

What do you want to do when you reach FI?

like

What do the day to day activities of a Java developer include in a MNC?

Has anyone ever left a role during maternity leave? What is your experience and/or drawbacks of doing this?

like

Hi all, iam currently looking for a job as java developer. my tech stack is java,springboot,mysql. Year of experience is 2.6 years.please do help me

like

Hello .. what is the average salary earned by an in-house counsel working with a fortune 500 company's subsidiary in India at an Assistant Manager level? Any idea?

Do you know what is the salary range for a Senior Manager II at Walmart Home Office?

like

I'm working with an IT MNC in PMO profile.

Is it Bad to change Sector from 'IT' and moving into the same profile (PMO Support) but with the 'Investment Banking sector'?

Some people says once you move out from IT sector, there is no chance getting back to it. Is this really true?

Please assist, this question is eating me.

like

Hi
Anyone facing this issue?

Post Photo
like

Can anyone refer me for specialist role in HSBC India HSBC

Post Photo
like

How do you thoughtfully instill ethics with leadership and have that trickle down to the rest of the organization?

like

How is ciena client for brillio,how is the WLB,job security,work culture.

like

crying ceo killed everyone today on LinkedIn 🤣🤣🤣

Post Photo
like

Additional Posts in Personal Investment Chatter

Fidelity, who asked for this?

Post Photo
likefunny

GME and AMC are not doing well today 😂

like

How many times do you look at your checking account a day

likefunny

Tempted to buy DAL! Pros/cons?

like

Does anyone know of any first time homebuyers programs/grants that help with initial costs available in the state of Virginia?
Did a quick Google search but only found one option.

like

What might be the ripple effect in real estate? When is a good time to get in?

like

How do you vet tax accountants to tell if they're good or not? How much do you spend on them for annual filing?

like

What are things to know about buying and operating a laundromat?

likefunny

Thoughts on the Marcus Investment robo advisory rolled out by Goldman a few weeks ago? They charge low fees which is great, but I have a hard time seeing what makes it different than others.

like

180k base in CA: Is 1500/month net saving goal too aggressive?

likesmart

What percentage of your portfolio is active v passive? 29M - no mortgage kids etc - currently have 85% in low cost index funds and the remaining 15% in active ETFs and stocks. Curious how others are approaching this topic

like

How do folks feel about I bonds right now? They’re earning 9+% at the moment.

likesmart

I’m 26 and have ~40k sitting in my savings account. Annual income 140k. Maxing out 401k. No debt. Planning to invest 25k but don’t know where to start. Should I get a wealth manager? What is the best way to approach this?

like

Where are my swing traders at??

like

is it better for me to invest in the stock market through a brokerage right now, instead of increasing my roth 401k?

My husband and I have saved up about $80K and it’s just sitting in our bank account. We thought we were going to buy a townhome but with the crazy inflated prices we decided not to since we like where we live currently (location could not be better and rent is crazy cheap at only $700 a month). How should we invest our money in the meantime while we save up for a house?

like

Looks like stocks are back on sale

like

Thoughts on Jumia stock?

like

Is commercial building a good investment channel? Any insight would be greatly appreciated

like

New start coming out of undergrad - other than maxing out 401k contribution to 18.5k in the year, what other low hanging fruit should I get? (I.e. I’ve heard of a Roth ira but not sure what it is)

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

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