PwC people, please advise! How should I allocate my 401k? 26 year old, moderate risk tolerance. specific advice would be appreciated (e.g., 20% in northern trust collective short term)

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

Find a low cost index fund that tracks the broader market..such as a total stock market or S&P 509 index fund

like

100% gold

like

I am mostly in the lifecycle fund based on my retirement date and have seen a very nice growth rate over the 7+ years that I have been with the firm. I'm also in the S&P index fund and it is performing nicely these days.

like

Difficult to give specific advice without knowing more but given how many years you have to retirement you will probably want at least 85-90% in stocks the rest in bonds. I would stick to passive index funds

like

Use one of the target date funds... it will self manage based on risk which is tied to anticipated retirement year. At 26, your risk should be higher since you have about 40+ years before retirement.

Put 100% in the S&P 500 index fund. There is a low fee ETF available as an option I believe.

Don't you have an age based portfolio option? Use that. It will automatically adjust as you live your life. So no need to worry about allocation etc.

Honestly, QQQ (Nasdaq 100) or do a vanguard ETF based on your risk tolerance.

100% small cap!! 🎲🎲give me 7s!!!

Jnug

You are 26, go high risk

Don't those age-based funds have high expense ratios? That should be avoided at all costs. OP put everything into the target fund with the lowest expense ratio. You can find that information on any finance website. Yahoo is nice.

Related Posts

I have cleared all rounds for Director position for Bangalore location and am awaiting offer. How much should I expect ? Are there any relocation benefits as I will be moving from Pune

like

What type of job duties does one do in healthcare administration? Interested in healthcare but getting tired of consulting.

like

This is a random question!

Does anyone know if insurers outside health insurance cover/reimburse travel vaccine costs as part of named benefits coverage by employers?

Like of you have a lot of international / extended business travel and need travel vaccines would Lloyd's cover the cost?

Does TSG have a sign on Bonus? If so how much is it usually after taxes ?

How much should I invest in buying a HOME as my primary residence.

Current TC: 200k
Net worth: 300k, readily available 170k in stocks, hysa and cash
Current rent: 2000 per month
Age: 30

Wonder if anyone has any excel model or a rule to determine how much I can afford or should go for?

like

Good morning!

I would love to get into provider credentialing, but all employers I've looked at want at least 3 years of experience. So, I'm looking at Provider Network Coordinator roles, because I'm finding some of those roles don't need AS MUCH experience. I'm a RHIT, and have been working in healthcare for nearly 10 years.

Anyone know who might be looking for a network coordinator?

likehelpful

What are benefits like at Accenture?

$DPZ 370c 3/27

like

Noob question on selling puts- I just sold a weekly put that I WANT to get assigned. The stock fluctuate a few dollars a day so I’m looking for a specific price to own the shares at vs entering a limit order. The stock has already gone below my selected strike price by a 30 cents today but I haven’t been assigned the shares 🤔. Is it only by expiration day or am I missing something?

like

Will base jump from 120 - 145 make a significant difference in my saving? Offer has significantly less PTO and a lower 401k match. 32F with 400k saved, interested in buying a home soon in HCOL.

Have never invested outside of 401k. Think I may start being able to put ~$500 in the market each month. Where / how do I start?
Happy to provide more details about my situation if its helpful.

like

Hi mates for Canada PR application,
Have anyone tried for gift deed kind of way for showing proof of funds for express entry

like

How does Deloitte stack up against MBB in the healthcare space (size/scale of clients, type of work, etc.)? My understanding is that they are all on the same level, and that D is #1 in healthcare m&a.

like

Looking for a panty dropper used car for around 40k. What would you suggest? Considering a wide range of options from x5 to F type

like

Can anyone let me know the benefits at Accenture?

Accepted an offer but the recruiter disappeared before sending me the list of benefits he promised to send, so was curious to see what those are at the moment!

The offer only lists that benefits are changeable, and you receive current ones so they aren't clearly defined)

like
like

Hello, I’m a certified occupational therapy assistant and looking to utilize my bachelors in healthcare administration to transitioning my career into a more non-clinical role. Ideally I’d like the flexibility to work remotely. However, I’m having such a hard time landing an interview. Is anyone good with helping transition resumes from clinical to managerial/administration?

like

Newb question: I’ve heard a lot about never selling your BTC and borrowing against it. I like the idea considering I don’t have much. How exactly would that work?

like

We are hiring-healthcare consulting managers at RSM.

like

Having trouble selling my (retired) dad's house. It needs a lot of work, but has great character. What if I buy it myself for a low, low price? Then I would be able to get a FHA 203k loan to do the updates. Rent it out or put it back on the market in the spring.

like

More Posts

Who wants to start a DAO and buy time shares (literally lmao) in a watch.

Can rotate throughout the year 😂

likeuplifting

hello all,
I have joined CTS on dec-2021 ,I have been assigned to a support project i had 2 years of java development experience before joining CTS ,i have asked my reporting manager to provide release from the project but he is denying it now whom should I approach plz provide me your valuable suggestion

What are the chances that PA with ctc 4.5lpa 2yoe who is on notice period gets a promotion and a on-site opportunity? How much of a hike should he expect if the on-site location is Canada?

Ik this sounds weird but i am in a situation like this.

like

Do you get the feeling that there is a higher image promotion of women/minority people in Tech?I have seen way to many pictures from major tech companies that promote far more women/minorities than white males in their marketing materials.Wouldn't be better if we hired the best people no matter what the race/gender is?I know some companies are not publishing any gender/race stats but you cant't really demand a 50/50 ratio.Also there is no coincidence that most execs is some companies are British. So this goes both ways.

likesmart

Does anyone have any insights on the Certificate Investment Performance Measurement (CIPM)?

like

Hello Guys,

I joined
Cognizant recently, the project interview calls which I am getting is not from my base location.
I have the location constraint, should I wait for the right opportunity or raise this concern to ADP team so they can look in to it?

As per ADP policy, one should not have any constraints and take the project as FCFS basis.
Cognizant

like

Literally all of my LinkedIn connections are recruiters lmao

likefunny

Guys is it better to join Barclays as a business analyst from Credit Suisse, considering current situation of Credit Suisse? I am clueless right now.

One of our surgeons is always walking around with a bluetooth headset...not a fan

like

Which luxe car do you own/ lease? I’m gravitating towards leasing a Mercedes.

like

after receiving the portal link to accept the offer letter, what is the deadline to I accept it?

like

I feel like the stereotype about being an introvert and an accountant don't apply to black ppl. Everyone I met that's an accountant is LOUD, okay lol

like

Someone teach me how to flirt! How do I let this guy know I’m into him?

like

Does anyone have recommendations for free or free trial media planning resources that would be helpful to use/reference for a student project?

What should I put in e signature tab in Barclays onboarding portal for accepting the offer? I'm getting validation error - personal data e-signature has failed.

like

Anyone know of labor & employment boutique firms in LA with a good work culture (I currently work for an AM Law 100 L&E specialty firm in SF and looking to move to LA but somewhere where I can still have some semblance of a life)

like

Hi everyone, I work for large startup (300 employees) and I have been asked to develop a Progressive HR manual template. Some examples include gender neutral restrooms, lactation rooms, signing off emails with pronouns, and etc. Any tips/links for resources to help would be appreciated.

like

Anyone looking for a shared apartment? 250 all utilities included and parking

I have mostly passive investments. I was thinking the other day: what if everyone had only passive investments? Wouldn’t this create incredibly high amount of systemic risk? Are we all sheep??

Additional Posts in Consulting

Do any of the top consulting firms hire into the Engagement Manager level after an M7 (if they had manager experience elsewhere)? I know MBB probably doesn’t but what about other tier 2 firms after that - and asking for US or Canada

likehelpfulfunny

Are firms willing to negotiate the role with campus hires? I received an offer for a big 4 in risk, which I signed early in September, but just now received another offer in TAS from a different firm. While I much prefer the big 4 firm, I do not want to work in risk anymore. Would a big 4 be willing to change groups? Have you heard of anyone able to do this? I feel kind of bad, but I truly despise the idea of working in risk now. ( My friend who's in the role right now hates it)

funnylike

Looking for a roommate for 2br apt on UWS starting Feb 1. Rent ~1700. Female roommate.

like

Toronto :) 🔥🔥🔥

like

I have 2 YOE. How much should I make?

funnylike

Did anyone read the top consulting firms to work for? 😂😂😂

like

Thoughts on Wealth Management as an industry? Offered a role to work under a senior FA and eventually take over the book (~$800M AUM and growing). It sounds great, but I am worried about the disruption this industry is facing with Robo advisors and other low cost, DIY options. I’d want to make sure the clients stay through the transition, and I don’t want to join a dying industry. Thoughts and advice?

like

What point do should send the "not into you" text to someone you've just started dating? I try not to disappear without a trace

Chilly outside... my nips are being sanded down by this over starched shirt...

like

Not motivated to go out on the weekends because travel has you feeling all type of ways

like

Best consulting firms for the retail and CPG industries?

like

Need to be at client around 10am in LA area, based in NYC, do I have to do red eye on Sunday?

Anyone work for EY?

like

Delta pushing off a dad with toddler threatening his family with jail term. Will these airlines ever learn??

like

Any consultants grounded in Chicago this week? down for happy hour at the Westin ORD?

like

Is there a hard limit on how frequent you can apply in a year at FAANG? (For instance: Amazon, Google)

Also, how many positions are we allowed to apply?
There are just many positions at different teams right.

like

Just got notified that my YE 3 was downgraded to a 4 because I'm looking to relocate and the partners think I'll be on the beach for a while. I thought the ratings were for last year, not projections.

like

Which consulting firm has the best 401k match?

like

Hey all, new hire here! Going to receive a $250 wfh credit; any recs on what I should get to build out my home office?

like

Should have seen this Kanye -Trump alliance coming. "You see there's leaders and there's followers. But I'd rather be a dick than a swallower."

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