My ETF portfolio is about 70% VTI and 30% VXUS, labeled “Most Aggressive” by fidelity. Is this a good course of action? I have $15k in there give or take, and other savings in a HYSA.

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What's your age? If you're pretty far from retirement, I'd say that's a good allocation.

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At the risk repeating myself, you’re all set if your ability to handle risk is appropriate for this portfolio. If your $150k goes to $75k next month, will you be able to sleep at night and not do something catastrophic like selling low? Not all bear markets are as short and easy to stay the course through as March of 2020. If you self evaluate and believe you have the risk tolerance, great, 100% equities is right for you. If not, a small allocation to fixed income can help dampen the drop and allow you to take some positive action, buying low, when the rest of your portfolio is deep in the red. An 80/20 portfolio is not a bad one for many people’s risk tolerance. I saw a lot of people in 2000 and 2008 move to cash at the bottom. This kills you because you’ll never time buying back in to catch the typical big market moves up when a bear turns bullish.

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Quick poll time. How old are you and how much debt do you have? Credit cards, student loans, vehicle loans, mortgage loans, etc., etc.?

I'm 31
$8k in debt (All credit card. No mortgage currently, but looking to buy. Car and student loans are paid off.)

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Hey Folks ,

Can you help me understand the PF deductions in Coforge CTC, Is it just the employers contribution ? And employees share will be deducted from Gross Monthly Salary?
Also about LTA , Can i opt out of it and get it as taxable amount?

Thanks in Advance 🙂

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My rent is increasing about 10% and the parking is going up even higher. Lease is up in October. Is it too late to look into condos or coops? It’d be right around the same price

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Hi Team
I've declared the tax under my profile payroll and what is the use of FCP?

I am selling a huge portion of my stocks this week to purchase a property. Mostly selling off the stocks which are over an year and with good profit.. however, there are few stocks (less than a year old ) which I think not doing so well and I am planning to sell on a loss. How can I use this to my advantage on my tax benefits?

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What to do with pharma stocks like Pfizer, moderna.. doesn’t seem to be trending up..

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Hello All,
If anyone is interested in getting an Amex card as first year free, please dm me. I can help with referral so that you get the card FYF and 2000 bonus points on spending just Rs. 5000 in 90 days.

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Does American Express gives the Diwali gift ??
Amex

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Recommendations for a Roth IRA?

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

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Diversification is the key. My portfolio includes a bit of most of these.

1. Debt/Liquid mutual funds (direct)
2. Gold
3. REIT (fractional ownership and distribution)
4. Equity mutual funds (ELSS, direct)
5. Direct equity (India)
6. US stocks and ETFs (tech & genomics)
7. Crypto currency (interest deposits)

helpful

What will be my in hand ?
I have home loan of 41 lakhs and EMI is 31K.
PPF :4k monthly
Mutual Fund (ELSS) : 2.5K monthly
Not having any HRA claim.
Please help me to calculate my take home salary based on above parameters.
Tata Consultancy Larsen & Toubro Infotech Accenture Capgemini Cognizant

Post Photo
likeupliftinghelpful

I’m an early startup having raised a bit of money from family and friends to help grow my business. Time is moving fast and I’m potties I won’t hit my targets and being the return back to those who invested.
Once I have used the money that’s been invested there’s no way of seeing it again and still bringing the return quick enough.

The numbers still show it’s possible, I still believe in the concept and I’m still growing, I think I just have some imposter syndrome.

Any advice?

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Is a 529 account worth it for MBA?

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Can someone explain to me how it monetarily helps me to split my home mortgage into half and pay half on 1st and half on the 15th? So if my payment is 4K, I pay 2k July 1 and 2k July 15

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Does anyone work in Dubai or Singapore who can give me an idea what you get paid? Thinking of making the move from Norway. Lower/no personal income tax is the incentive - paying 47% 😭

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Still using Ally Bank savings account, but the APY had dropped to .60%. Time to move. Any recs on personal savings account? This is my emergency “savings”

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Lost ~50k on OHM and Klima.

With all other crypto holdings, my total crypto profits of 150k from ATH in summer is gone and now I'm in 30k net loss.

Share your stories and make me feel better.l, please 😢

likeuplifting

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PowerQuery > PowerBI .. thoughts ?

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Hello everyone..... is any PE company hiring only remote?
Thanks for the info...

likefunny

DM me for referral in TCS

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Is there any mandatory working hours constraint in sg? Like in CTS we have to be logging hours for atleast 9 hours?

Is 13 lpa fixed a good offer for 1.5 yoe ?

Also how can i negotiate when hr is not willing and I dont have counter offer?

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Hi. I had joined KGS in the month of April and till date haven't been assigned any work. When enquired I was told that they will give assignments as and when the need arises. Can anyone give advise as to what shall I do and whether this would affect me professionally ?

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Wanna a learn Data Science cource.Anya vs suggestions please

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Hi! Would you be kind to spare some likes? I want to start putting this app to use! Thanks in advance:)

likeupliftingfunny

Few months ago XLM was the star ....it’s worthless now

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Good to see movement in LINK 🐢🐢

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How much hike can I expect if I joined citiustech in Oct last year and got 3.75 rating?
Yoe - 4

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Ladies who love food: let’s try out different cool restaurants together!

likefunny

Hi Sharks,

Could anyone please refer me to
Capgemini Pune?

YOE - 8 months excluding 6 months full time internship.

Skill set - SQL, Python, PowerBI, Tableau, Alteryx, Machine Learning, Deep Learning, ETL, Datawarehousing.

Interested roles - Data Analyst, Data Engineer, ETL Developer, Datawarehouse Developer, BI Developer, BI Reporting.

Thank you in advance.

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How advanced in SQL are users here? I feel like I’ve “plateaued” and am worried about not developing further in SQL skills.

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Fishers, any tip to apply and ace for a role that you have zero experience? I have more than 10 years of experience as EA and want to move to OM/admin manager role however most companies only hire those with minimal 3-5 years of experiences.

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Is there anyone who has submitted their EY GDS assets (laptop, headsets etc) via vendor pickup after leaving ey GDS? If yes, what's the process for it.

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I have an offer from PWC India and a top Indian insurance company. How do I choose which is better?@

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What is the expected date for Promotion news in GDS Knowledge?

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Additional Posts in Personal Investment Chatter

Anyone buck the traditional advice to Max out 401k? I've been making out but see little value in it for me. Who knows what my health will be like when I'm 65

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How do they verify your health status when getting life insurance online?

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likefunny

Hello folks, so I’ve been trying to DCA twice a month. Every time I do we seem to hit a large drop right after. Does anyone have a strategy to mitigate this or do you just set a day per month to do it and not look back?

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I don't have car experience but I'm going to buy my first car (used 2018). I don't have a mechanic to help test the car. Is it safe enough if I buy from a dealer with points inspection + low milage (< 30k km)+ clean carfax + contactless delivery? I have funds available to pay in full.

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My rent is increasing about 10% and the parking is going up even higher. Lease is up in October. Is it too late to look into condos or coops? It’d be right around the same price

like

Anyone have started preparing for Series 7 exams? What is the best study material to start with?

like

Will the market continue with its usual bloody day?

like

Recommendations for a Roth IRA?

like

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

like

Can someone explain to me how it monetarily helps me to split my home mortgage into half and pay half on 1st and half on the 15th? So if my payment is 4K, I pay 2k July 1 and 2k July 15

like

If I have a six year old and 150k in a 529, can I say I’m done?

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Can Amazon please do a stock split 😭

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What are your thoughts on a 200k cryptocurrency investment?

likefunny

Sell or keep my old condo? Condo worth around 450k and still 310k balance to pay off. Mortgage is 2200 (adding HOA) and monthly rental is 2300-2400. It's an old condo so maintenance has already ate 50-60k over the course of 3 past years. Should I keep it or ditch it given that the cash flow is so minimal & upcoming maintenance might take me another hit?

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I have 21k in my savings account. Where should I put this?

likesmart

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?

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Where are my swing traders at??

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just graduated college and still figuring things out— should I be investing in the same funds in my 401k vs Roth IRA? What should I do differently between the two? I’m thinking of using the 3-fund strategy for one but don’t know what to do for the other. Any advice would be great, I’m clueless!

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

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Heard on NPR Mktplc- Larry Fink - Blackrock CEO - 2018 Letter to CEO’s. He wants companies to make a positive contribution to society. How are you shaping investments for greater good? Tips?

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