Posts
Looking for "My" Proper 401k Allocation
Hi guys, my current 401k allocation is as follows: 40% S&P500 30% Vanguard Growth Index 15% Fidelity Extended Market Index 15% Vanguard Value Index I have recently been thinking that there is too much overlap between the S&P500 fund the the growth fund, but I don't know how to test …
Planning for RMD in ‘26 but have a question about withdrawing from non-ira this year.
i live on social security only and do quite well. see if I get this right…half my ss is 18k Towards taxes. Savings account earns about 1k. Individual brokerage account about 10-12k. currently PLTR made me bout 7k and if I cash out would put me over the 25k threshold. …
How to Save and investing money to buy a house
Hi everyone. I am 22 year old 1st gen living at home in ct. I started my post grad job in nyc. I have no debt since I had full scholarships in college. And now want to start saving to buy a house eventually. I have a 401k putting 15% …
How is Bitcoin not just a glorified ponzi scheme?
Genuinely asking, not here to troll. Bitcoin has been popular for 15 years, but it still doesn’t seem to have a mainstream, everyday use. You can’t just walk into most stores and buy groceries or gas with it. Yet, every time it surges, people start calling it "the future of …
Vanguard Financial Advisors - Good Choice?
Hi, I hope this is the right sub to ask this type of question. There’s so many investment subs. I’m not sure where it fits best. I have money in Vanguard , and want help managing it. I have a very hard time, trusting people so trying to pick a …
What do I do with my money as a student…
Quick but simple, what do I do? Like honestly I see people around my age investing in big Etfs but I dont see a point in doing so. My salary will be like 10x maybe even 40x higher as soon as I finish school (I get like 200 per month …
CD Matures This Week, What Do Now?
As stated in the title, my CD matures this week (50k USD). Will split off 7k to max out my Roth IRA for 2025. What should I do with the rest? CD rates are low. My HYSA is almost matching current rates. My individual portfolio has been doing shit the …
Better to invest a lump sum into the stock market or average out every month?
Let’s say you had 50k, would it be better to invest 50k all at once or like 4k every month? Which is better? And why is it better? On one hand I’m thinking the sooner you invest the better because it has more time to grow. On the other, I …
21 years old with $100k, what's the best way to invest the money
Might need the money in 5-7 years time for housing. I'm thinking about Lump Sum 40% and proceed to DCA the rest over the span of 5 years into QQQ. However, I am quite uncertain about how safe this is due to not experiencing any market crashes. Can anyone with …
Is 2x LETF (QLD/TQQQ) Functionally the Same as Using Margin? A Comparative Analysis
I've been analyzing leveraged ETFs (LETFs), particularly QLD (2x QQQ) and TQQQ (3x QQQ), to see how they compare with using margin to achieve the same leverage. My findings suggest that LETFs might perform nearly identically to margin investing—assuming competitive broker interest rates. However, I'm looking for feedback from the …