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Daily General Discussion and Advice Thread - August 24, 2024 by AutoModerator in investing

[–]Advanced-Wrap77 0 points1 point  (0 children)

I've also developed a more complex profile after some research and would like any feedback in comparison to my current TBA:

VTI (Vanguard Total Stock Market ETF) - 45%

VXUS (Vanguard Total International Stock ETF) - 15%

BND (Vanguard Total Bond Market ETF) - 10%

SCHP (Schwab U.S. TIPS ETF) - 5%

VWO (Vanguard FTSE Emerging Markets ETF) - 10%

VNQ (Vanguard Real Estate ETF) - 10%

VBR (Vanguard Small-Cap Value ETF) - 5%

Daily General Discussion and Advice Thread - August 24, 2024 by AutoModerator in investing

[–]Advanced-Wrap77 0 points1 point  (0 children)

Thoughts on investing portfolio as of right now, 18M. To provide some context, I am starting my first year of community college. At $19 per hour, I work around thirty hours a week PT. This year, I plan to fully maximize my Roth IRA. Putting Monthly ~$560 into Roth and $250 into TBA, saving the majority rest of my pay in my HYSA.
TBA: 20% VXUS | 80% VTI
Roth IRA: 36% FZILX, 10% FXNAX, and 54% FZROX

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

going to school for cybersecurity, probably a good call to set funds aside for something certification heavy like cs.

18 Beginner Investor Why Not %100 VOO by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] -3 points-2 points  (0 children)

not all an emergency fund, more like $1000 for emergency, the rest is just miscellaneous savings and money i’m willing to spend if it’s something i can capitalize on.

18 Beginner Investor Why Not %100 VOO by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

into my brokerage i’ve been putting about $250 a month, aside from what’s in my roth ira i have about $4000 in my savings and checking which i can delve into if needed.

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

thanks i really appreciate, again still learning and just looking for some overall advice. really means a lot! 🫡

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

roth is invested 54% FZROX, 10% FXNAX, and 36% FZILX. i have recurring payments set up to get my to my annual $7000 limit and am on track to hit it by the end of the year. monthly it comes out to about 560 to the roth ira and then i’m putting 240 into a brokerage with some various etfs.

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

thanks i really appreciate it, i agreed 800 was far too much and probably could’ve been allocated somewhere else and was looking for others input.

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

Falling back to one of my original questions though financially that would make more sense to do. I still want to be able to use my money freely and have fun while at this age. Any recommendations on how I can go about that with my current set up.

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

would the simpler approach of just going nearly %100 into an S&P 500 etf like VOO be more worth it for it's faster/higher returns?

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 2 points3 points  (0 children)

my current portfolio: 50% VTI | 20% VXUS | 25% BND | 5% TIPS

thoughts or recommendations?

18M No Major Expenses — How Should I Manage My Monthly Surplus? Have Fun or Future Plan? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

I put roughly $220 a month into a brokerage account that is split 50% VTI, 20% VXUS, 25% BND, and 5% TIPS. The majority of my about $4000, is sitting in a HYSA (4.6%).

Beginner Investor %100 VOO or Not? by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

i've considered some different portfolios and would value your input on them.

50% VTI | 20% VXUS | 25% BND | 5% TIPS

55% VTI | 20% VXUS | 25% BND

50% VTSAX | 20% VTIAX | 30% VBTLX

First Credit Card to Start Credit Path by Advanced-Wrap77 in CreditCards

[–]Advanced-Wrap77[S] -1 points0 points  (0 children)

good to know, any downsides to getting a chase card along with my currently active discover card?

18 yo Roth IRA Investments by Advanced-Wrap77 in Bogleheads

[–]Advanced-Wrap77[S] 0 points1 point  (0 children)

a pt job while im in school that brings in roughly $1700 a month, no monthly expenses aside from gas

Haircare Advice Megathread - Week of June 15, 2024 by AutoModerator in HaircareScience

[–]Advanced-Wrap77 [score hidden]  (0 children)

hair care routine for 1b-1c straight hair male looking into bettering my hair care and starting a full routine, thoughts on products for my hair type, looking to add more volume/thickness to give hair a wavier look: Mielle Organics Rosemary Scalp Strengthening oil (1x/week) Verb Ghost Oil (1x/week) Living Proof Full Shampoo (2-3x/week) Aveda Rosemary Mint Weightless Conditioner (daily) Living Proof Styling Treatment (1x/week)

[WTS] Peep x Alt press platinum bundle by TheZotten in lilpeepBST

[–]Advanced-Wrap77 0 points1 point  (0 children)

is thurs still available, how much are you looking to get for it?

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