{ "media_type": "text", "post_content": "WWYD: 35 years old. Just started aggressive savings couple yrs ago (started career non profit, then mba and then paying loans off). Cautious to keep dumping money into s&p since so much I put in was during aggressive growth of last 1.5 yrs. Currently $400k in 401k (all equities, mostly US), $130k in brokerage (85% us equities, 15% intl), about to put $20k (me plus partner) in iBonds. Have $175k cash (recent bonus mostly). Need $30k for wedding soon, then keep emergency fund. So ~$100k..WWYD?", "post_id": "61e8393f1a620f002c6be5af", "reply_count": 7, "vote_count": 3, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter", "feed_type": "bowl" }

You are currently posting as works at McKinsey & Company

WWYD: 35 years old. Just started aggressive savings couple yrs ago (started career non profit, then mba and then paying loans off). Cautious to keep dumping money into s&p since so much I put in was during aggressive growth of last 1.5 yrs. Currently $400k in 401k (all equities, mostly US), $130k in brokerage (85% us equities, 15% intl), about to put $20k (me plus partner) in iBonds. Have $175k cash (recent bonus mostly). Need $30k for wedding soon, then keep emergency fund. So ~$100k..WWYD?

3 reactions

4 months

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You are currently posting as McKinsey & Company

More context: Goal is long term wealth / security. Just found out mine and my partners parents both aren’t in great retirement situations (not horrible but like just enough to retire quite conservatively). We may buy a house but not for a few years and can use cash flow from job to save. No debt.

1 reactions

4 months

You are currently posting as EY 1

Do you have Roth IRA and HSA? If not fund those. Then put the rest in a brokerage account in VTI or ITOT and IXUS or VXUS. This assumes you don’t need the money soon

1 reactions

4 months

You are currently posting as McKinsey & Company

Should have said: can’t do Roth IRA bc of income level. Not allowed to do hsa at work. I max out retirement though (Roth 401k, mega backdoor, and then employer contribution gets me to the annual max)

4 months

You are currently posting as KPMG 1

That's my assumption just because of how much money you have, which would make traditional the obvious choice. Also you already have plenty of Roth investments if you're maxing the megabackdoor. So even if you're afraid of rising tax rates or something, you have a huge hedge there.

1 reactions

4 months

You are currently posting as EY 1

Agree would do backdoor Roth assuming you don’t have a traditional IRA currently.

4 months

You are currently posting as works at Accenture

Is our 401k match with Accenture on a vesting schedule? Can't find this information on the live well website

1 reactions

You are currently posting as works at EY

Only 42 more years until I retire!

18 reactions

You are currently posting as works at PwC (PricewaterhouseCoopers) LLP (Consulting Practice)

Argued with another EA today who tried to tell me a Roth IRA is a waste, that a 401k is all that's necessary... Wouldn't accept that they are two different retirement options and equates to more money

1 reactions

You are currently posting as works at PwC

Sometimes I question why I'm working and think about what I'm gonna be like when I retire if keeping doing this....#randomthoughts

4 reactions

You are currently posting as works at EY

What are your thoughts about the impending EY pension and 401k changes?

4 reactions

You are currently posting as works at Accenture

ACN folks, does anyone know how to link our 401k account into Personal Capital? Or if it's even possible?

1 reactions

You are currently posting as works at Deloitte

What % of your paycheck do you put into your 401k, Roth, etc.? Recently realized I'm not maxing out the annual amount and wondering if I should change it.

5 reactions

You are currently posting as works at PwC

How should I continue to grow my net worth now that it just reached 6 figures? I am already maxing out my ROTH IRA and HSA contributions and Putting 12% of my pay into my 401k already. Real estates ?

4 reactions

You are currently posting as works at PwC

Leaving the firm.who do i talk to take money out of 401k? What percentage will be taken of?

1 reactions

You are currently posting as works at Deloitte

What's the split between traditional and Roth 401K that you are using?

1 reactions

You are currently posting as works at PwC

If I had a dollar for every time I heard __________ in a team meeting, I would be able to retire from consulting...

3 reactions

You are currently posting as works at Senior Associate

How many of you max out all tax-advantaged space, i.e. 401K, Roth, and HSA, and is it doable to live on what's left?

2 reactions

You are currently posting as works at PwC

Where can I find out the tax penalties of taking money out of my 401k? Want to purchase options from a startup I worked at but don't have the $ liquid right now.

1 reactions

You are currently posting as works at Deloitte

Is there an option on Deloittenet to NOT have your 401k deducted from your bonus?? Thanks!!

You are currently posting as works at Deloitte

Will 7% of my AIP be routed to my 401k on my 9/2 paycheck? Is there any way I can stop this or is it too late? If I go to change my deduction on Vanguard it says that changes will be effective 9/16.

1 reactions

You are currently posting as works at Consultant

Anyone who is using the vanguard 401k: anyone have a good investment mix? I haven't checked mine in 6 months, checked mine today, and my return over the past year has been $12............

You are currently posting as works at Manager

How many of you Deloitters modify your 401k allocations before AIP hits...? Just remembered there's no opt-in/out and it gets pushed to Vangaurd...

2 reactions

You are currently posting as works at EY

Does EY match you 401k contribution in your first year itself? Or does it start matching from the end of your second year at the firm?

You are currently posting as works at Deloitte Digital

Team D - What's the max that can be allocated towards your 401k annually?

You are currently posting as works at Manager

After you've maxed out your 401k, what other investment options do you consider?

3 reactions

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How many first year analysts here started as interns? What did you guys do to get those jobs?

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Testing a new post at 12:06PT 5.12

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Top top post!

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Where is a new build???

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Post in top

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You are currently posting as works at iTechArt Group

Post with company

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You are currently posting as works at Betateam

Hate conference calls that drag on for hours.

You are currently posting as works at Merkle

Living it up in the city.

You are currently posting as works at Merkle

My company is now displaying!

2 reactions

You are currently posting as works at Strategy&, part of the PwC network

When that Christmas bonus rolls in on top of your raise, and you're all like 🤑

6 reactions

You are currently posting as works at The Boston Consulting Group

TFW you're stuck for 2 hours at immigration because your work permit expires 2 days before the case ends

4 reactions

You are currently posting as works at IBM

About to be on the bench, how bad is it looking for SAP projects?

1 reactions

You are currently posting as works at Consultant

How much does it hurt your MBA case if you missed the "earlish" promo after your first level? It took me a little longer because I switched service lines and industries.

1 reactions

You are currently posting as works at Accenture

Have you guys gotten client travel reductions/restrictions even on domestic US projects due to the coronavirus? Will most of consulting be work from home in the next few months?

1 reactions

You are currently posting as works at Deloitte

PwC folks - how is the Oracle practice there at PwC in terms of people and working culture or (anything else)? Some recruiter reached out to me to chat. Any sight would be much appreciated thanks!

2 reactions

You are currently posting as works at ZS Associates

Anyone have recent experience with what it takes to make United global services? I've been 1k most of this year and fly almost weekly to CA from NY, every other month to Europe.

1 reactions

You are currently posting as works at McKinsey & Company

How strong/beneficial is the mck network? Interviewed for a tech biz dev position recently and the SVP sales was an associate in his early days. Didn't seem to value it much at all. May have hurt me.

6 reactions

You are currently posting as works at Consultant

McKinsey Digital interview suggestions?

2 reactions

You are currently posting as works at Salesforce

Hi, me and my wife are looking to get a 5 months old lab puppy. We are in difficult projects which requires around 10-12 hours everyday. We work from home. This is going to be our first pet. We are not sure how much time commitment is needed? Not want to regret decision later, can someone please share their experience?

1 reactions

4 months

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