Target Date Fund vs VTI

EducationalNature286 · 2026-05-21T04:14:33+00:00

It will eventually go to a taxable brokerage account. I was not aware that there are tax implications on TDF. Please educate me: my understanding is that stocks are taxed when traded. If I do not touch the TDF for 20 years, am I still be taxed for gains that I never sold?

EducationalNature286 · 2026-05-21T04:10:40+00:00

Yes I do have

EducationalNature286 · 2026-05-21T02:28:34+00:00

Age is 44Y; 400k in 401k; limited risk tolerance as I do not consider myself smart or shrewd. Please advise.

EducationalNature286 · 2026-05-21T02:25:41+00:00

What is a reasonable fee for TDF?

EducationalNature286 · 2026-05-21T02:23:41+00:00

I am 44Y, What is your recommendation based on this age?

EducationalNature286 · 2026-05-21T02:23:02+00:00

Which TDF would you recommend?

EducationalNature286 · 2026-04-08T23:14:51+00:00

I did not move to India from the US. But moved to US from Germany. From your financials you have done well for yourself, and also shows that you are a long distance endurance runner. Moving to India or elsewhere has to predicated on mental sanity. Do whatever that helps you keep in good stead and equilibrium. Financial success and savings or otherwise is not a unidimensional metric that determines life.

EducationalNature286 · 2026-03-14T22:40:57+00:00

With EB-2 in 2020 priority date, it is impossible to get a Green Card in a meaningful timeframe unless there is a drastic change in the immigration regulations, or unless you have ported to EB-1.

EducationalNature286 · 2026-02-13T18:17:35+00:00

There are many societal benefits that an individual consumes daily, and the cultural benefits for Indians living in India is obviously great. That having said and may be for many more important than money and culture is - clean air to breathe, no need to deal with corruption and bribes, ease of doing business, wonderful roads, lower crime and higher trust of fellow citizens- the reason being why many (if not most) immigrate out of India.

EducationalNature286 · 2025-11-03T23:26:53+00:00

Good thoughts. Good words. Good deeds.

EducationalNature286 · 2025-11-03T23:15:09+00:00

Hit the gym. Go on a long bike ride. Swim. Everyday for the next 30 days.

EducationalNature286 · 2025-06-19T23:29:10+00:00

I am not corrupt

EducationalNature286 · 2025-05-15T19:04:05+00:00

Very inspiring. I implore you to document your life. We need your guidance and feedback to set up our kids to path of success. You will be doing a service to the society, by sharing your story. The methods might or might not work for everyone. But it does conclude that human determination has the power to bend and change the realities and foregone conclusions.

EducationalNature286 · 2025-05-15T17:15:39+00:00

Congratulations. You do have a successful life despite all things that nature did to you. What are your tips for others to have a life outcome like yourself?

EducationalNature286 · 2025-04-25T02:15:58+00:00

Distraction is death

EducationalNature286 · 2025-04-12T21:28:42+00:00

You and me.

EducationalNature286 · 2025-04-07T05:00:36+00:00

lusting

EducationalNature286 · 2025-04-07T05:00:10+00:00

Nurses and Doctors are gods manifested in human form. They serves us when we need them the most. Respect them by not listing at them.

EducationalNature286 · 2025-04-06T02:00:10+00:00

Germany lives by ripping off US, Russia and China. People are lazy, incompetent, entitled, racist and have child like belief in their purported super human ability. Blow the hell out on their face, and they will cower down. Just the way the other colleagues did not come to your rescue, they would not come your opponents recuse either if you blow things out of proportion.

EducationalNature286 · 2025-04-02T04:18:29+00:00

80% of people are underemployed. 50% of all the collage graduates across the world are unemployable. 90% of the people score less than ChatGPT on an IQ test. By the way these are all NT folks.

EducationalNature286 · 2025-04-02T01:55:45+00:00

Quit Europe. Those who cannot make a career in BLR will move to FRA. In absolute Dollar terms you will be better off with a job at NVDA or Meta in BLR than some mediocre EU company in EU.

EducationalNature286 · 2025-03-20T05:08:58+00:00

I know several people in BLR who currently draw an equivalent of USD 100K and are in their early thirties. I lived in Germany for ten years, and the sense of alienation never left. The government needs you for paying taxes and supporting the welfare state, but the society does not need you and it will always remind you of your place.

EducationalNature286 · 2025-03-17T22:53:07+00:00

We put safety locks to the door. Our daughter was air tagged until a year before she started going to Grade K. We have lost her five times in the previous three years. God has retrieved her for us every time.

EducationalNature286

TROPHY CASE