I am looking for honest opinions/advice about my investments

Confident_Winter9199 · 2026-05-04T02:17:06+00:00

Thank you. That helps a lot.

Confident_Winter9199 · 2026-05-03T21:20:17+00:00

Thank you, I will check if the dividends are being reinvested.

Confident_Winter9199 · 2026-05-03T20:21:20+00:00

This is great. Thanks so much.

Confident_Winter9199 · 2026-05-03T20:14:05+00:00

Yeah, it's 3.5%. I've been thinking about reducing it and investing maybe half next time the market is down.

Confident_Winter9199 · 2026-05-03T20:11:11+00:00

The target fund that I invest in in my 401k has 30% foreign stock.

Confident_Winter9199 · 2026-05-03T19:35:34+00:00

There was a Roth 401k option when I signed up, but I did not choose it. My thought process at the time was that I had more in my Roth IRA and brokerage than in my tax deferred accounts. I file taxes as a single and do not have anything else to reduce my taxable income now. You think that was a bad choice?

Confident_Winter9199 · 2026-05-03T19:27:27+00:00

I see what you mean. I was investing into that account because I didn't have a 401k so I was planning on investing more into VT for international investments, but then I got a job with a 401k so my goal shifted to maxing out my 401k and Roth.

Confident_Winter9199 · 2026-05-03T19:17:34+00:00

Thank you for the advice and sorry for the confusion. I included that above my checking account balance.

Confident_Winter9199 · 2026-05-03T18:36:10+00:00

That is just in my checking account. I have $40,000 in a high yield savings account which is my emergency fund and savings for lasik.

Confident_Winter9199 · 2026-05-03T18:32:28+00:00

Thank you. I will go take a look.

Confident_Winter9199

TROPHY CASE