Tips/investment strategy? 25, high risk appetite, no debt, 140k salary

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

1. Emergency fund
2. Pay debt?
3. 401k to match
4. Roth IRA and HSA
5. Max 401k
6. Brokerage account

Decide on a asset allocation and invest

like

Also I would suggest starting with index funds for the majority of your investments.

like

Buy the S&P 500 index, never sell. That’s it.

likesmart

Real estate, index funds and crypto (in that order)

like

You can always buy in NJ and still work in NYC. Also, check better mortgage, I know many people who have bought in NY and NJ for less than 20%, things changed?

Buy apple stock

like

Read some personal finance books. I will teach you to be rich is a great place to start.

like

AMC

like

AMC..geez don’t know how many more people need to say this…

like

1. Real estate
2. Growth stocks
3. Crypto

Don’t touch meme stocks if you can’t day trade

Do you live in US or Canada? I only have Canada specific information because real estate is very regional and based on laws…

If you don’t have enough for a downpayment you can look into buying REITs.

Russell 2000 or another mid cap index

Op can you please share what you do as supply chain consultant and if your employer has any openings? I am very interested ..

Related Posts

Anyone know what the Salary range for an Operational Risk Officer at Bank of America or Wells Fargo ? Also, do you know if they do sign on bonuses? 7YOE

like

Folks,
please explain this joining bonus clause
12 months 1 day as LWD will not have recovery?
Or do i need complete minimum 14 months? I am confused
EY
Tia

Post Photo
like

Let's do a salary thread for fraud and forensics pros:

Post your - Salary - City - Years of experience - Qualifications you hold.

Fishbowl will circulate the data once we've reached 100 responses, so make sure to share with your coworkers.

likehelpful

Actively seeking an entry level certified clinical research associate position and I have no idea what salary range to consider for negotiations. I currently obtain a Bachelors in Biomedical Science and am in the process of obtaining certification as an advance research associate. Any suggestions or recommendations?

like

How much salary Honeywell offer for Honeywell Aerospace division for 8 years experience for advanced hardware position?

What is the yearly hike Honeywell provide?
What is the promotional hike in Honeywell?

like

Question, if you get fired or laid off within the sign on bonus repayment period (normally 2 years) do you have to pay it back? Or would you only have to pay it back if you leave voluntarily?

like

I'm so excited about my work in helping families prepare for their financial futures. I am able to do this part-time and it is so rewarding. It is also nice to be valued and appreciated. Because of this new business I have the opportunity to retire early.

like

Hi fishes,

Recently I had my interview with tcs and cleared hr asked me to submit the documents in tcs portal.i have submitted the documents when can I expect a call for salary negotiation.and how much package i can ask i have 3 years of experience as data engineer.i have been hired as big data developer.

like

fam, want to get out of debt in 2021. need help. i have ~95K in debt ~50/50 credit cards and student loans. my credit score is ~600. i make ~175K a yr. but the biggest hits on credit are 1) utilization and 2) history (~4 years avg). i made some mistakes with credit cards a few years ago and am holding ~40K @ ~22% int. my thought is to get a personal loan for ~50K but due to my credit, that’s also at ~20+%. think i can pay most of it in 2021 but feel like i have no recourse but to do it 20+ int

like

What will be the in-hand salary?

Post Photo
like

Looking for recommendation - books, blogs, podcasts etc to learn about investment in stocks, bonds, options, commodities etc? TIA!

like
like

Looking for anyone interested in a senior Human Resources business partner role. Salary is 225k and has large RSUs for company going public at 4 billion valuation. Send me dm if interested

like

Have 3 401k and 1 ira account. Now have to consolidate all of them in vanguard. Any recommendations on how to move them
Looking for options to take advantage of rollover.

like

Hi fishes,
I have an offer from one of the MNC's of 15 lpa fix.

How my salary break up will look and how much I will get in hand after deducting my pf of 1800 and income tax.?

Please confirm🙏

like

Anyone experience a significant salary bump shifting from a more traditional or comms-focused shop to tech-heavy digital work? Or vice versa being told your salary is now too high to go back?

Hi Fishers,

Can anyone tell me the monthly in-hand salary after tax- deduction.

Post Photo
like

Keep getting approached by rival firms for ~50% salary increases in London. Raised it with my company and got a 5% raise. Don’t want to sound ungrateful but doesn’t scratch the surface of the underpayment of where I am, it’s well below market rates. Manager hinted at getting an offer which they could counter could help but, I can’t see them matching 45-55% I could get elsewhere. Like the work and culture here and salary isn’t everything, but unsure how to approach this. 26 YO with 2.5YOE.

Anyone work for JPMorgan Chase familiar with the pay range for a salary grade level 602?

like

Is 10LPA fixed with no bonus good package for consultant band in Capgemini India. Capgemini

How is the annual hike or increment at CG

like

More Posts

Hi Guys,

I've heard a lot about Uplers talent. Can you guys please suggest to move on to this place Uplers. Since, they are providing Work from Home culture.

like

Received ECT AD in ops at BCG. I have two questions:
1. Is it difficult for these roles to get utilization/billability targets?
2. If I work for say 3-5 years, opportunity for good industry exits?

Background - 15 YOE. Currently Director at global firm. I am not looking to become an equity partner and happy to focus on content and interesting work. Main reason to join is opportunity to work and learn from different clients, smart people and good brand. Feedback/guidance/insights welcome!

like

Hi All,
I am looking for a 2BHK near Hope Farm/Whitefield area in a gated society. My budget is around 25k. Any leads would be helpful.

like
like

Conduent HR is ghosting even after sending a salary break up. When I finally got hold of her she told me to send the counter offer through mail. She is not responding to my mails when I'm nearing lwd, very unprofessional behaviour from Conduent. They at least should have the basic decency to get back if rejected or on hold so I could pursue other opportunities. Why drag until lwd? Conduent Tata Consultancy Deloitte India Techie

like

Interviewed Amazon but the role I interviewed for was internally filled. Had great feedback back from interview. Tried to apply for additional roles to no avail. Know any Amazon recruiters in the DMV area you would recommend chatting with.

like

What does HR think about people who work full time at an organization and also offer consulting services on the side? With high prices these days and salaries not meeting cost of living, it only makes sense to take up more than one job.

like

Looking for accountant recommendations.
I’m full time at a tech company. On the side, freelance, YouTube, online small business.

Looking for someone who has at least some familiarity with those fields and income streams.

This is my first time looking so any referrals or advice are appreciated.

Which language is the best to learn for the future for the backend ? Java or Python ?

I am a NodeJS Engineer. I want to know which language to learn for the next 10-20 years.

I should be able to use the language multidimensionally. Like web development, ai/ml, offers jobs in MAANGM companies .

like

Heard the heart beats for the first time today, so endearing. Now worried about direction of sleep, is there a certain side that I should versus shouldn’t sleep on?

like

This week’s pickup

Post Photo
like

New education policy thoughts?

New Education Policy 2020 is announced

1. 10+2 board structure is dropped
2. New school structure will be 5+3+3+4
3. Upto 5 pre school, 6 to 8 Mid School, 8 to 11 High School , 12 onwards Graduation
4. Any Degree will be 4 years
5. 6th std onwards vocational courses available
6. From 8th to 11 students can choose subjects
7. All graduation course will have major and minor
Example - science student can have Physics (continued below)

like

DM for referral at a boutique consulting firm:

- fully remote
- good WLB
- hiring all levels with above average pay
- 3+ YOE with experience in analytics/BI in financial services background preferred

likehelpful

Need advice. My roommate has anxiety/depression and has been experimenting with drugs like ketamine. He’s always been super chill but freaked out on me violently last week over something small and made me feel super unsafe (I think he was on drugs). Found a new place to move to but idk how to tell him because idk how to react. I want to tell him the day I’m leaving when the movers come but I feel like that might trigger him too. Thoughts? I’d be ending our joint lease, I can afford it, he cant.

likehelpful

How are LIC and Astoria to live in? Looking for more space and proximity to Manhattan

likefunny

Any idea what will be the repercussions of not going to office after hr emails ?

like

Anyone dealt with age discrimination at work or thought they were fired because of it? I have a strong hunch I was let go because I'm older than most of the team and they're trying to get a "fresh perspective." To me it just sounds like they're firing anyone over 50.

like

Hi Fishes,

What will be my in hand salary
Yoe - 4

Post Photo
like

Hello Fishers,

I am currently working at Chorus Call India as a Manager. I work with handling projects and operations with team Management. I work with Streaming projects , virtual projects and planning , operation management and client servicing.

Looking for a growth opportunity in other organisations. Requesting assistance in this process.

Thank you .

like

Additional Posts in Personal Investment Chatter

Does Bank of America do a Mega Back door 401K?

like

Anyone going in big on gold/oil ETFs?

like

Thinking of putting a large sum in ETF. Should I wait for the market to go down or should I go ahead?

like

Would you recommend an associate making 90k base in NYC prioritize maxing out their 401k and Roth IRA even if it means they won't save beyond that? Assume debt has been paid off and 3 month emergency fund in savings

like

What ETFs, index funds do you all invest in and what u recommend in this recession looking like economy. I'm a beginner investor. Just opened my fidelity brokerage account.

like

what is the lowest 20yr refinance rate at NYC you see now? And where?

like

Any thoughts on ARKK and MGK ?

like

After I max my 401k/Roth IRA, I put $ in my individual brokerage (all through fidelity) via transfer from my bank acct…is there a better or more tax advantaged way?

like

Came across a duplex for 475k in SoCal. Up and coming area that’s getting gentrified fairy fast. Looking to rent out the front for 2k and and splitting the back with a housemate for 1k. Cont below.

like

How to rebalance my portfolio? I bought a majority of my investments in the worst market conditions in 2020 and so maybe I’m just jaded by my own previous success/luck with that. Should I be selling off the non - etf stocks at some point? Or do you just hold those for ever if they don’t go to shit (e.g. should have sold off my PLTR a long time ago but since i was mostly just playing there i have held) ? When to get out? How to tell if you’ve held long enough to avoid short term cap gains?

like

Is it a good time to buy first home condo for 300k chicago downtown now? 45k in HYSA, 31 single. Rest of my money went into gifting home for parents and edu loan.renting for 1700 per month

likehelpful

I am heavy on US stocks. I keep hearing to diversifying a little bit with bonds and international - feel its a bit over rated if I can withstand volatility and far from retirement. Thoughts? I read a lot on this bowl about not having bonds in portfolio under 40

like

Can you withdraw money from 401k? What the penalty and how to find out?

like

How do you calculate what tax bracket you will be at when you retire? Keep reading choose the option based of what tax bracket you will be at retirement but I literally have no clue

like

Worth buying VTI today? Every week I am buying and it’s going lower and lower the next day. I bought it yesterday and today it’s 5$ lesser than yesterday!

like

Anybody here invest in the Los Angeles real estate markets? Looking for some guidance! Thank you in advance!

like

Need some advice for investing, I make a base salary of 180k - meaning after taxes and 401k etc I take home 9k per month. Child care , living expenses - 4-4.5k, investments in india - 2.5k, I have up to 2-2.5k left every month. Should I be putting all of it in ETFs ? That would be about 33%-25% of my salary. I put my bonuses and stocks in savings accounts and CDs for my kid. Thoughts? Thank you!

like

Mention your top 3 stocks

like

I make $140k in New York. Should I invest a Traditional 401K or a Roth 401K or do a split?

like

Has anyone ever done a postnuptial agreement? At the time of marriage, my spouse and I were relatively equal in terms of finances. I recently came into a large inheritance, and have also had more rapid career success. I’m not trying to be cynical, just trying to be smart. Nobody thinks they will get divorced. This would make me feel much more comfortable. Any guidance?

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

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

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