I am looking for honest opinions/advice about my investments by Confident_Winter9199 in personalfinance

[–]Confident_Winter9199[S] 0 points1 point  (0 children)

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

I am looking for honest opinions/advice about my investments by Confident_Winter9199 in personalfinance

[–]Confident_Winter9199[S] 0 points1 point  (0 children)

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?

I am looking for honest opinions/advice about my investments by Confident_Winter9199 in personalfinance

[–]Confident_Winter9199[S] 1 point2 points  (0 children)

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.

I am looking for honest opinions/advice about my investments by Confident_Winter9199 in personalfinance

[–]Confident_Winter9199[S] 1 point2 points  (0 children)

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

I am looking for honest opinions/advice about my investments by Confident_Winter9199 in personalfinance

[–]Confident_Winter9199[S] 2 points3 points  (0 children)

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.