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Hi 🦈
I have offers from below organizations. Please help me to choose on basis of learning and work life balance.
Accenture - 21L(16.5F + 4.5V) Job Level 9. LTI - 22L(19F + 3V) Job Level P2.
Tata Consultancy - 23L(20F+3V) Job Level C3B.
Capgemini - 24L(21.5F+2.5V) Job Level C2. Cognizant - 25L(24.3F+9.7V) Job Level Sr Associate.
HCL Technologies - 26.5L(24.5F(including monthly EPB)+2.12V) Job Level E2.
YOE - 8.5 years CCTC - 10.05L
Tech - SAP UI5/Fiori
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I use Schwab and really like them. No fees, super fast American customer service, you can buy any traded security not just their stuff, the system almost always works (did go down last Monday due to volatility). I would recommend Schwab bank and brokerage to anyone.
That’s really good to know ^ thanks you both A1 & SM2
Any reason against vanguard? Not seeing it recommended yet I think it’s great
Second that !
Chief
The one with the lowest fees for what you want to invest in. I use Fidelity.
Chief
Are you maxing your 401k totally or just to employer match?
Chief
No, you should keep six months of expenses in cash in a HYSA and leave it there. It hurts to lose out on theoretical market gains, but it’s called an emergency fund for a reason. It needs to be cash, immediately accessible, and safe from market fluctuations.
I use WellsTrade, but I’m a Wells customer so it makes sense for me. I’m honestly not sure how it ranks if you aren’t a Wells customer.
I like Schwab for the autoinvest feature that makes DCA much easier (I don’t use the robo advisor but have automated buys every 2 weeks). I think TDA has a better platform, especially for stocks, but with the merger of the two, hopefully they take the best of both features
Also, depending on your income, be sure to research if it’s better for you to do a back door Roth instead of a traditional Roth.
D1 - correct. That is why I said “depending on your income”
Vanguard
If you have an HDHP, have you also maxed out your HSA?
I’m 21 so I’m still under my parents insurance, so HSA isn’t an option yet. Thanks for the advice!