Posts
Thoughts on this retirement plan?
33m planning to retire at 60. I'm currently making \~125k/year. With inflation/lifestyle I'm expecting to need \~200K/year in retirement. * Roth IRA $13,000 in SCHD. I'm contributing the 7K/yr from this point forward. Estimating 5% share price growth rate and 8.5% dividend growth rate. * At 60 this would be …
Earnings and financial reports
In an effort to get back to basics and continue learning I wanted to ask y’all for some resources and opinions regarding reading 10ks. 1. What is a good educational resource you would recommend. 2. What is an in your opinion is the most overlooked aspect? 3. What if any …
Can someone explain exactly how overcontributions to your 401k works?
I just realized I’ve contributed more than allowed to my 401k and it’s looking like I’ll get double taxed (how?) plus a fee for early withdrawal since I’m under the age. Is there still a way to avoid these taxes or is it too late since it’s almost a new …
Which S&P 500 index fund do I buy?
I’m interested in buying into the S&P 500 but I don’t know which means what and which I should buy. I think there’s the regular S&P 500 and the vanguard ones, VTI and VOO, (don’t really get the difference besides ones larger and ones just the 500) and SPY. What …
Advisor needed at Schwab?
I have a 401k and 4 small brokerage accounts with Schwab. They total $1.6m. I'm invested in what they call an intelligent portfolio. There is no Schwab management fee. They rebalance on a regular basis to keep me in the appropriate categories.I don't fuss with them much but I do …
DD on Coeur Mining ($CDE)
Couer Mining (CDE) closed the day at $18.09, according to VectorVest, they are valued at 32.5/ share. Therefore, they are extremely undervalued. Here is why I like CDE as a hold into 2026: They have an upcoming potential merger with NGD, a Canadian mining company. Once this merger goes through, …
Help - ML Force Closed Our IRAs
ML force closed my wife's traditional and Roth IRAs. They sent us two checks made out in my wife's name. They withheld about $22k in taxes. And they are refusing to code this as a direct distribution because "the accounts are close." I would like to figure out a way …
Robinhood Closed My Account and Will Not Respond to ANY Support Inquiries
Robinhood recently closed my portfolio for "suspicious activity." Apparently my birthday was wrong and they locked/closed it. I had money in my account and they recently closed out all positions. The app like doesn't let me open a support ticket and their support email hasn't responded after 5 emails over …
Buy a home at 25 or keep renting and investing? Remote worker aiming for $1M by 30
I’m 25, work fully remote, and want to be smart about building wealth over the next few years. Here’s my situation: • Income: about $200k per year • Investments: about $100k in the stock market (mostly S&P 500) • Debt: none • Cash: enough for a large down payment or …
Is it worth opening a Robin Hood Account for the 3%?
I’m about 10 years away from retiring. The 3% bonus into my Roth is very appealing. I know it’s only $240 (minus the $60 for gold) per year and if it was into a taxable account I probably would not bother but anything to get more money into my Roth. …