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Hi, I had worked with cognizant for 8 years. At the beginning, i had worked under BPO for three years and then moved to IT and worked as a tester for the remaining years. However, the receiving letter had not been mentioned about the BPO experience. So could we ask Cognizant to provide two reliving letters of one related to the BPO?
Anyone who recently exited wipro, please DM .
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This Pton is looking real good right now
Thoughts on adding GLD or FSAGX to portfolio?
thoughts on $RIVN? reasonable IPO or nah?
Pro
Open a vanguard account. Read about vtsax. Read about vbtlx. The largest equity and largest bond mutual funds. Come up with an asset allocation target. (Generally 100 or 110 - your age = equity percent)
Or you can do an easy alternative and throw everything into the target date fund. Set it and forget it. This is a perfectly acceptable thing to do too
This is very good advice. If you’re saving for the long term (5+ years) I’d put it all in VTSAX, let it grow and ride things out. If you intend to use that money sooner, home purchase maybe, put 20% in VBTLX and the rest in VTSAX.
This is our strategy. We are saving for our dream house, which we probably won’t start building for five years, maybe more. I have us all in an S&P500 fund for now, but we’ll shift part of that to a bond fund when we can see the purchase on the horizon, then probably cash out entirely a few months before we start building to ensure our budget is set and safe.
Wondering if target funds are more expensive than creating a portfolio?
Do you mean if it’s a lower fee to buy individual stocks yourself rather than invest in a mutual fund?