Which fund(s) should I invest this $100k in? My 401k etc is maxed. I am investing for long term—rather than this money sitting in my bank account doing nothing for years I want it to sit in a fund. I am good with low/moderate risk; not interested in specific stocks. My initial thought is 50% Vanguard admiral and 50% VOO (or VTI? Something else?) but I am new at this. Interested in others thoughts as to which fund(s) and the allocation. Fwiw I’m in my early 30’s, no debt, have a home etc.

Hi everyone

Is there any disadvantage if I get relieve on Friday compared to on Monday?

What I am thinking is I will be loss pay for sat and Sunday?

Actually my last is 27th
I asked for a week early relieving so thinking about this.

Thanks.

Does anyone else find that even though the cannabis industry is booming, budtenders lack basic benefits like decent pay, healthcare, PTO, vacation, maternity leave? My company was acquired recently by a much larger company and they considered my pregnancy a “pre-existing condition” therefore I got nothing for maternity leave although the prior company had pretty much accepted my claim. There’s much more but I’m pretty disgusted in this industry.

Does anyone have any insight into partners retiring early? I am at a point where I need to consider leaving if I am not aiming for partner. I don’t see myself working past my 40s. My partner and I are not big spenders and anticipate have enough to retire comfortably in 40s (obviously a lot can change). I have been assured I will become SM in next year (currently 31 years old).

Genuinely curious: How do you justify working in PR knowing that you won’t make $100k+ for 15-20 years? I’m 3 years into my career and I have regrets about choosing this field when I look at my financial timeline.

New to investing and have 60k I want to buy index funds/ETFs with, should I invest like 5-10k a month or all at once? For context, I have emergency fund already established and contributed to Roth IRA

Hello everyone currently i am working with TCS i have also visited onsite from this working since 2018 overall i have 5+ years experience with very less package i dont see any growth in package. i have experience into customer support technical support identity and access management resource management timesheet management etc i need help to switch which company you suggest would be better with all the benefits

What’s the most you would feel comfortable spending on rent in BH/WeHo for a 1bed at $250k TC and no debt?

Having trouble opening a new bank acc (eg Marcus by GS, Ally) as I‘ve only been in US for a few months and have no credit history. Any international fish have tips to circumvent?

What are some good healthcare/pharmaceutical etfs that you would recommend?

I should be getting my job offer this week. Can someone tell me if Chase offers benefits such as; student loan repayment, discounted daycare, childcare FSA, employer HSA contribution? If there’s a high-deductible plan what’s the max family out of pocket? What’s the employer 401k match?

Any good ETFs to invest Roth into?

I have 4k that won’t need soon and thinking about were to spend it on.
A. Student loans at 5%
B. Invest in stock market

Which bank account is better for salary account?

HDFC
Axis

Any info on the agency Heartbeat in NY?

I have below offers in Hyderabad, current salary(with 10% var) 13.25, YOE 6.3Y, .Net Fullstack developer

Hexagon

Basic 8.2 L

Reimbursement component 44K

PF 8202 + 8202 = 16404

Yearly gratuity

Base + 10% variable = 22.5 LPA

CreditSafe

Basic 8.24 L

Reimbursement component 3.18L

PF 1800 + 1800 = 3600

Base + NO variable = 24.5 LPA

Which one would be better option?

Why CreditSafe has that much reimbursement component? Are bills required to get it?

Why only 1800 as PF in CreditSafe?

What are the benefits C10 position gets in Citi??

I have a total taxable income of 1978050 for. Which I need to pay 330915 as a tax as per new regime.
I don't have any investment and also as working from home living in my home town so no rented house.
Please help me to save some tax
TIA

Hey all, started my role as a recruiter at an agency recently and had my first placement! It was great until the candidate wants to renegotiate the base and benefits after the current company counter-offered when the candidate no longer sees the future. Any tips on what to say to bring back to focus? The current role is a Sr. Acct Receivable (less than 2yr) and going into collections specialist at a global law firm.

Hello Fishes,

I have joined hcl on 24 th sep 2021 and my last working day here is 18th May 2022.
Today I received my provisional full and final settlement and the payable amount is negative -11454. They are recovering the full AMPB amount which I got from September months.
I have heard from this platform only that hcl stopped the recovery police but still I got the negative fnf.

Those who tuned into KPMG town hall, thoughts?

Just found out the "roadside assistance" for my Tesla doesn't cover emergency battery recharging. Wish I realized that before it became an issue

Anyone have a recommendation for books or resources on upping my sales game? Open to in person class, online class, books, etc!

9th September onwards, so called the grand programme for the next 3 Fridays for completion of 150 years!
Question to Leadership!
1. You are calling all the employees in the office & just providing lunch? That's all for completing 150 years?
2. You would ask questions, and whoever is able to answer it, you will give some merchandise only to them?, And the other people are not your employees?
Why are you even organizing it? You think people would come from far places just for lunch?

Is everything getting 800 INR has Internet allowance over your salary? Or does it need any special approval?

Hi People, Need some advice. Currently I am in EY India, joined it 7 months back.
Got an offer from Nagarro with 18LPA(17 fixed).
Should i consider switching? Please suggest. YoE-3.6 years. Current CTC- 10.7 Lpa. Tech stack- Java Spring Boot.

Have too much on your desk? Maybe one of those briefs is a bit boring?
Send it my way, I'm here to flex my copy muscles for you.

All I ask is you give me feedback when I send it back.

Sparkling Wine or Champagne around $30 that’s really good? Need it as return gift to all guests for our baby shower.

How are the projects in transport, travel and hospitality domain in coforge. How is the work load and how are the onsite opportunities. How is a role of test analyst in coforge

Has anyone had a service dog? Did you bring them to work? Looking for experiences and feedback. TIA!

Can someone please confirm if the variable pay is always 25% of base pay in LTI? I have been told so by LTI HR during my salary discussion and have been offered accordingly (for P5 grade).

I have got pre offer form from ey. And welcome mail as well but i didn't see offer letter anywhere. Where can I find offer letter?

What is the best compliance certificate to have?

It feels very telling that there are so few people in this group. Any thoughts on that? It feels like the vast majority of people managers only want the title and don’t want to worry about their people.

Is sitting out of the market and waiting for the dip the right move to make? Buffet and a lot of other institutional investors are just sitting in record piles of cash right now... what’re your big moves?

Whats the benefit of a roth ira vs an individual brokerage account?

What’s the max umbrella policy coverage y’all have seen offered by insurance providers? Looking to get one for the first time. Anything I should consider/ask the insurance company?

Are you a “Prodigious Accumulator of Wealth”?

N = 10% x (Your Age) x (Your Salary)

If your net worth is 0.5N or less then you are an under accumulator; around 1.0N then you average; 2.0N or greater then you are prodigious.

This is the millionaire next door formula.

I work for a company that gives me RSUS as part of my compensation. Am I allowed to short the companies stock to minimize my downside risk in case stock price drops? I value certainty of my RSU payments over any potential upside

Opened a Roth IRA account last year and put away a portion of $ each month to eventually reach $6000. This year thinking of plopping all $6000 there in Jan. What method do you all follow?

How is everyone feeling about the market today? Buy? Sell? Wait?

Random question - My dad took a whole life insurance policy for me when I was 15. Although the policy relates to me, the name of the policyholder is my dad and I would like to change it to me but keep the same beneficiaries. Is it possible to transfer from him to me? (This policy relates to my death btw)

Any accountant recommendations in NYC? Looking for someone who understands the travel situation of consultants, etc. TIA!

Can anyone recommend good investment options in Bank of America HSA account? I feel their funds are very limited compared to what I have seen from 401k and IRA. Anyone recommends your HSA account?

Mutual funds you have your eye on right now?

$530k HHI, $250k cash on hand, $1.2M investments/retirement. Plan to buy $800-900k house as our first home, but thinking of the best approach given rates today. My thinking is that we (i) put $200k+ down and get a 5/1 ARM. (ii) put everything we save moving forward toward paying down the principal (after maximizing retirement accounts). Should be able to do $100k per year. (iii) If rates go down below 4.5ish % for 15 year fixed, refinance and stop aggressive payment. Thoughts on this approach?

Recommendations for best ways to save for retirement after contributing to 401k up to match and maxing out Roth IRA?

I am trying to justify house buying in HCOL city. The house cost is minimum 1.4m .monthly mortgage would be at least 7k(with just around 2k principal) rest goes to either int,tax. Not to mention regular house maintenance. How is it better than 3.5k rental. I understand appreciation and own house independence. But I am just trying to make numbers work.

Using Robinhood to do some day trading. Bought a share of Amazon a few months back and have almost 30% ROI. Should I sell? It seems like it is too high right now and the bottom could fall any moment.

What stocks are on your watchlist? Please share what level you'd be looking to buy it!

Adding my watchlist in comments.

considering betting a ton of money on tomorrow’s elections via “predict it”, as an emotional hedge. is this a stupid idea or a genius idea

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!

Anyone looking at airline stocks or ETF play?

Can my current lender refuse to accept the payment from refinance lender because they want to make more money from me? How do I sue them ?