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Who manages the accenture 401k
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What percent of your net worth is in crypto?
What’s your age and asset allocation?
Anyone buying today?
Stock mutual fund recommendations for 2021???
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Bowl Leader
Rollin' into the weekend...
Hi fishes,
Can someone give me referral ?
Thanks!
Hi Sharks,
Could anyone please refer me to Capgemini Pune?
YOE - 8 months excluding 6 months full time internship.
Skill set - SQL, Python, PowerBI, Tableau, Alteryx, Machine Learning, Deep Learning, ETL, Datawarehousing.
Interested roles - Data Analyst, Data Engineer, ETL Developer, Datawarehouse Developer, BI Developer, BI Reporting.
Thank you in advance.
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So what happens to my DIDI shares now?
Conversation Starter
What percent of your net worth is in crypto?
Conversation Starter
What’s your age and asset allocation?
Anyone buying today?
Stock mutual fund recommendations for 2021???
honestly I’d refinance all student loans today at low fixed rates (pm for referral link). Unless you’re bad at managing money, no reason whatsoever to pay those down given low rates.
Save and invest as much as you can while doing everything to improve your credit. Only invest house savings in broad index funds/etfs (use a target date fund or mimic allocations to be more conservative). You only need 5% down payment for non jumbo and PMI isnt high at all if u shop around.
People will disagree but u can take 401k loans and Roth withdrawals for extremely cheap liquidity if you’re very good about managing your money (I.e. replace funds asap)
Depends on length but I was offered as low as 1.88% right now for short term variable and <3.5% on long term fixed (check Earnest). I use first republic which is 2.25% and includes a very flexible line of credit but has some strings to qualify. These rates are for graduate loans.
HYSA if you are conservative; standard ETF if you want to get more market gains and are ok if you actually lose money over the next couple years. No one knows what will happen in the stock market, so it's a risk no matter what ETF or stock you choose.
I don’t understand posts like this. Make a lot of money, put it into an account, and don’t spend it. I too want to be rich, but some secret ETF isn’t going to make or break.
Then you should keep it safe in a HYSA. You will lose some to inflation but not like if you invest it and the market tanks. If you have some flexibility, you could invest a portion and keep most safe. Depends on your risk tolerance and what would happen if your investments are down in a couple years
A 2M house in a nice neighborhood in cities like SF or Boston is not that luxurious in today’s market. I don’t understand why people keep asking if they really need a 2M house…
Thanks E2 and D2. You guys are on the money. I live in a HCOL city on the east coast. I said elsewhere but I to make a significant down payment to reduce mortgage payments so home will be closer to 1.3m than 2.5m. For reference, I was recently looking at a 3/2 in a nice neighborhood which was listed at 1.1m. That’s far from a castle and it is most definitely not in the highest end neighborhood .
400-500k down payment? Looking for a multi-million dollar home? For a down payment on a home you know you want in a couple years or less, I honestly just keep in cash.
Do you need to by a 2 or 2.5M house? How much do you 2 make and how much can you save? More most saving that kind of money will take more than a few years
Put it into HYSA or potentially one of those accounts that earns interest via a stable coin (I.e USDC)
Pro
Down payment plus 2 year reserves if you are doing super jumbo.
We are saving for down payment and have our money saved in HM Bradley at 3%.
Lock this post. 😉
Bowl Leader
Why so much down?
Gave a rough estimate in the initial post but 30% down for a 1.3m home gets to the 400k payment.