What would y’all recommend adjusting?

Age: 23

Current holdings in my brokerage:
VTSAX (~50%)
VGT (~20%)
ARKW (~7%)
QCLN (~14%)
Rest is in a settlement fund waiting to buy-in.

My Roth IRA is a traditional 3-fund portfolio, with 90+% in VTSAX.

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

Recommend adjusting the age

Yeah are you 22, 23, or 24? My advice won’t change at all, but it’s throwing me off.

Ooof thank goodness 😅. It’s a good allocation. I’m not in QCLN, but I held plug power for a bit. You might want to reallocate the higher growth stocks to the Roth IRA to help with taxes, but it’s no guarantee they’ll continue to climb as they have.


More Posts

How much time does it take to get police verification from US?

Hi Fishes,
I attended interview on 31 march and got selected ,yesterday received a call to upload documents on same day. I uploaded all the documents and status is verification pending. How much time it will take for HR to call for salary discussion?


Anyone know what the average senior technology consultant at Big 4 makes in Toronto? Looking to relocate and was wondering what I should say as my proposed salary ballpark.


What is the process of bench in Genpact? How can we get another project and with whom we need to connect? How much time we get to be selected in another project? What is supply list in Genpact?

Band - 4B


Searched the bowl and could not find a direct comparison. I have the opportunity to purchase a) Santos de Cartier Medium or b) Rolex Oyster Perpetual 36. Both white dials and SS. Tried them both on and am leaning towards Santos because it stood out a bit to me. Thoughts? FWIW, I only own a “mall brand” dress watch on a leather strap and am looking to upgrade.


Got Capgemini offer letter.
Band: C1 (Senior Consultant)
CTC: 17.5 LPA
YOP: 6yrs 10months
Location: Kolkata
Domain: API developer

Got another offer letter of 18.5LPA from Intelliswift, 15LPA from Mindtree and probably will get 19.5 LPA from Telus international as well .
Am I getting less from Capgemini?? Can Capgemini increase the offer letter? Please suggest..


McKinsey & Company What’s the Jr Associate total compensation at McKinsey & Company (including bonus and housing, if any)?


What's the avg CTC offered at Amazon for L5 & L6 commercial roles (sales, business development, vendor management roles, etc). Can somebody guide pls..


Anyone hiring and entry-level developers? Graduated last year and have 1 year of experience. I also am international so not allowed to apply to government jobs. Would truly appreciate any help :).


What is the expected salary range for M3 in USI Audit?


Omg I KNOW Matt James, this is wild


Do you guys know which agencies are the best in Brussels?


Activity directors please tap in. I need to connect with you all. I am new to the career. What are the pros and cons? Is there room for promotion? If yes, as what?


What's the difference between Kroll Val vs Portfolio Val


Producer friends, we are in desperate need of a reliable and easy to work with vendor who can provide translations/transcreations of scripts and international VO casting and recording... any recos?

Interview questions or tips for a Health- Quality Data Analyst position?


Additional Posts in Personal Investment Chatter

Have 6 months of emergency savings, really tempted to cut it down to 3 and move the rest into market (index funds / ETFs). Have you had this temptation? How have you handled it?


New advisor is suggesting we use LIRP as tax efficient vehicle for annuity at retirement. Any strong opinions for / against?


Suggestions for Personal Finance books? I'm somewhere in the middle of the road - don't need the basics like the need to save a rainy day fund, pay off student loans (I already have that covered plus have hit a number of milestones including putting the down payment our first home), but I'm also not really interested in super aggressive investing like day trading or watching individual stocks very closely.


What are your favorite personal finance books? I just read Rich Habits and really liked it. I am also reading the Psychology of Money. Looking to read some more!


What are your thoughts on someone trying to build wealth off of their grandparent because their own parents were incapable and both grandparents had to step in financial and were forced to pickup the slack. Currently grandma does not like when her grandchild asks for money despite the grandchild has a degree, own apartment, no car note and great savings. The grandchild wants to leave her apt to live rent free with her grandma and buy multi unit home and go to med school. Is this normal?


Hello everyone, I'm trying to get into real estate investing. Some of the books I've read have talked about buying a multi unit property and utilizing investors to get the necessary capital. Does anyone have experience in getting investors? How do you identify investors who may be interested? Are there any sites where you can invest in or post investment opportunities?
Thank you in advance.


Is there an app where I can see the return of my account adjusted for deposits? I have fidelity which includes deposits in calculating the growth of your portfolio over time.


In Personal Capital, Anyone know how to reclassify an investment money market account as Cash? It seems to allow the opposite move only.

I am tempted to buy more stocks, but I also need the cash in next 6-10 months 😞


What are you all doing to maximize investment or apply tax savings strategies (legal ones) before the end of the year?


I want to live with my parents forever and YOLO all my money into meme stocks 🤡


I'm stuck on a credit score of 760. Everything else is perfect except the age of my account which is only 2.5 years. I keep balances low and always pay on time. What can I do to move it up?


I finally hit $400k. Congratulations to all of you hitting new milestones in this insane market. Hopefully, I’ll reach my $500k milestone before the end of this year.

Post Photo

When will the short squeeze end on TSLA? Trying to determine best time to buy puts...


After looking at the ProPublica article, I think I am doing something wrong by paying 27% tax on my income. Am I doing something wrong? or the fact that the Uber rich make money from investments taxed at a lower rate(20%) is why they are paying less?


Austin fishes.. what’s with this real estate frenzy that’s happening since Jan 2021? Price wars.. 40-50 K over asking... I get the facts..Elon Musk in, Apple in, more disposable $ for investors, Bitcoin and stock market bull runs.. but this real estate madness I see in Austin now.. this is CRAZY!


25, have around 45k in cash and 70k invested (including 401k) in stocks and ~7k invested in crypto. Should I have less cash and put more into the stock market?


Tips for managing finances as a couple? Newly weds here and trying to build our long term investment plan. Any tools/books etc.?


I have the CSR card since 2018. I don’t see myself traveling much in the next 3-4 years to justify the $550 fee. Is it possible to downgrade to preferred and get the 100k bonus? Contd.


7 figures is the new six figures


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


Embed this post

Copy and paste embed code on your site


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


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