Trying to save for a down payment in a year or two (60-80k). Currently have 20k in stocks and trying to save 40-50k per year while contributing to max HSA and 6% pre tax + 6% after tax 401k (all invest in mutual fund for retirement). Where should I park the down payment savings? Stocks? Mutual fund? ETFS?
Does ACN force retire their MDs?
Deloitte only makes 401k employer contribution in June/July. Am I still allowed to make 401k contributions to the max allowed which is $19.5k before then? Or do I have to account for employer match?
What should I save to my personal email before I leave my firm? NOT trying to take IP, I mean things like salary statements, W2, stuff related to my 401k/HSA
At a certain point should you stop investing in or as heavy into 401k/IRA if you’re planning on early retirement (45 y/o target)? 28 y/o w/ ~$300k across 401k/ira accounts. With penalty free disruption age at 59.5, wondering if I should start to lower my annual contributions and route more through brokerage (for context w/ match contribute $28k/yr right now via 401k/ira).
Is it worth it to roll over my previous employers 401k after you leave? Seeing online that I only have 60 days to do it, but I’m not understanding what type of penalties I could incur…. Will I be penalized for leaving it there?
At what point should I consider purchasing an investment property? Here’s my breakdown with my 131k/yr salary: Maxing out Roth 401k (balance of 145k), Roth IRA (balance of 8k), HSA (balance of 4k), then do 10% to ESPP, then send about ~$500/month to taxable brokerage (balance of 35k), and keep 20k in HYSA.
Currently live in NYC and I absolutely hate it as I love mountains and playing outdoors. I can either relocate now and have a stagnant but decent career that will allow me to enjoy my life. Yet, I also have ambition to climb up this corporate ladder in NYC and grind out here and hope to retire sooner and live wherever I want hopefully in 15 years or so and meantime travel occasionally to enjoy those things. Please share your wisdom. I need some advice. My LOS is pretty much exclusively NYC.
Thoughts on selecting the Russell 1000 index fund for my 401k? Expense ratio of 0.01%. I was considering the target date fund, but I’m 25 and don’t really want any bonds atm.
What is the reasonable rent if my net pay is $9500/month (before 401k and insurance). Current savings are 30K (emergency fund) + 130K (brokerage) + 20K (401k).
🐟 - I rolled over $100K from old employer 401K to Fidelity Rollover IRA. What implications does it have on my ability to do backdoor IRA? We do not qualify for Roth due to income limits. TIA.
For H1Bs who were laid off, what did you do with your 401k account while you looked for new employers? Any guidance would be appreciated. (Serious answers only). Thanks
So if Democrats take the senate, they’re going to learn their lesson from RBG and force Breyer to retire now and replace him immediately right?
Just realized the importance of managing the retirement accounts and investments. Help please! I have about $7k in Traditional 401k. Nothing else. No brokerage accounts. My plan is to 1) open a Roth IRA and put $6,000 in it right away. And that will be included in my 2020 tax return right? 2) Convert my traditional 401k to Roth 401k when I quit in January. 3) Open a brokerage account and invest in ETFs. Is it reasonable to open in Charles Schwab since my 401k is there? Any input is appreciated!
Looking at EY for Sr Manager level role. I see that 401k match is low. But they have a pension plan. Can anyone throw some light on how it works ? Is it worth it? How do the contributions grow over 2, 5, 10 years ?
If I don’t have access to my new employer’s 401K plan until 9 months after employment, what are my options so that I can continue saving during that time?
For PwC, what comprises the annual Defined contribution maximum limit, employee + employer? Does it include 401k contribution, employer match, and the wealth builder only? HSA and IRAs are excluded? What if you over-contribute, do they issue a reversal or the system will know so it will not allow?
Anyone have a solo 401k for your LLC? Any insights/watch outs? Do I ask my accountant about setting one up, or do I need to find some kind of investment pro — or can I do it myself thru fidelity or something?
This is a 401k and target date fund question. I'm 6-8 years out from retirement and have managed my own 401k to an aggressive growth asset mix for the past 20 years. Now looking to reallocate to protect against market volatility, and considering one of the Vanguard target date funds that is available in EY's 401k. Good idea to go all in on a target date fund? I think yes because that's the point of them, easier to manage, etc. Thoughts?
I’m really thinking about going back to school to obtain an MBA in like 2 years. Are there any certification(s) that I should get to increase my chances of getting employed by one of the MBB firms in the meantime? TIA
Finance guys - Need some insight. What firm are you at and what are your hours like? I’m mutually exclusive with a guy who’s a VP at a prominent firm. He’s been very low communication lately and says it’s work. I really don’t have the emotional headspace to be cheated on again 😞 I’m finally dating someone I really like after getting out of a bad relationship a year ago. Be nice, thanks in advance!!
Today I finally reached my milestone of being completely debt free and having 100k in savings. Growing up in a single parent immigrant household where skipping meals was the norm, this is such a surreal experience. I want to hear what brought you joy today fish ❤️
Wrote a post in here a few weeks ago about weighing a decision on a scheduled 39 week induction. Just went through with it this weekend, and wanted to let the people who had questions/asked for updates know that 1) SO happy I did it & 2) happy to answer any questions about the process I went through.
Hi guys, Currently I'm having 3 offers as Globant, wissen technology and Publicis Sapient. Can anyone help me to decide where to go based on wlb, growth, sustainability even also on project. It's getting very confusing for me. Please give some suggestions.
Anyone else feel this way? ☕️
What are the best OCM conferences coming up?
Do you folks think that US has stronger pet culture compared to Subcontinent? Every other family has pets here. Of course, this might be due to social factors like lesser number of relatives, bigger houses to accommodate pets and so on.
Hello, please help to enable DMs. Thank you.
Hi Sharks! I am currently working at Amex as data analyst, fixed - 9.82 lpa + variable (15%). YOE - 2.5 years.. how much should i ask for band 25 position for data analyst at optum?? PLEASE HELP, NEGOTIATION IS TOMORROW, what expectations should i set??
Would anyone know if we need a Colombian tourist visa if traveling to Colombia for a vacation and returning to US using EAD-AP card? I don't have any valid US visa and am a citizen of India.
Hi Fishes, Please advise ASAP YOE - 9y How much can be expected from JPMC on existing offer from other company of 28 LPA Fixed + 2.8 Bonus ? Planning to ask 35 Fixed , will JP give this much ?
Not a flex but finally made myself some room at the gcd table. Saw my colored feminine face in a square on the corner amongst all 8 white masculine faces. Felt like I got a milestone and had to tell someone.
Is transfer Pricing a good area to specialize in as a career ? Is the skill sets globally transferable if I move to Europe or Asia in the future?
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