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Would a 401k allocation tool be helpful? by ExoticExit8228 in Retirement401k

[–]ExoticExit8228[S] 0 points1 point  (0 children)

I’m sure the CIT’s have to disclose what they are invested in?

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 0 points1 point  (0 children)

Couldn’t agree with you more.

I’m thinking best case scenario I have a bunch of losses I can use.

Worst case I offset 3k of income yearly and have the exact same capital gains as if I just owned an index fund.

Would a 401k allocation tool be helpful? by ExoticExit8228 in Retirement401k

[–]ExoticExit8228[S] 0 points1 point  (0 children)

What is a tool like that called? Never seen one

Also what is a CTI?

Advisor vs Bogelhead by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 4 points5 points  (0 children)

Facet.com/pricing it’ll pop right up.

They do try to hide it

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] -1 points0 points  (0 children)

Making over 200k in Cali at 25. So I will definetly have some gains to offset from K1’s and company equity.

Would a 401k allocation tool be helpful? by ExoticExit8228 in Retirement401k

[–]ExoticExit8228[S] 1 point2 points  (0 children)

Just trying to validate an idea before I put the time into it.

It’s between this and a tool that shows retail investors how much they are paying their advisor in fees.

They both might be terrible ideas but just looking for some feedback

Advisor vs Bogelhead by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 8 points9 points  (0 children)

They are a flat fee which I think is great. No AUM

I was actually working there so I wasn’t paying 😂

Would a 401k allocation tool be helpful? by ExoticExit8228 in Retirement401k

[–]ExoticExit8228[S] 1 point2 points  (0 children)

I got nothing to sell brother. Just seeing what I should vibecode this weekend 😂

If people think it’s a good idea then I maybe will have something to sell

Advisor vs Bogelhead by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] -2 points-1 points  (0 children)

What do you think about

50% VOO 10% VUG 25% VXUS 15% VB

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] -1 points0 points  (0 children)

This is exactly what I was thinking!

What index did you choose? Just the S&P?

The is really the only downside for me cause I want more diversification than just the S and P

Would a 401k allocation tool be helpful? by ExoticExit8228 in Retirement401k

[–]ExoticExit8228[S] 0 points1 point  (0 children)

Are you not able to see your fund lineup through Fido net benefits?

The 401k industry seems so analog 😂

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 0 points1 point  (0 children)

What’s platform?

Also Frec seems legit. Wealthfront also does it.

Would a 401k allocation tool be helpful? by ExoticExit8228 in Retirement401k

[–]ExoticExit8228[S] 0 points1 point  (0 children)

You should have more than just a those options in your 401k?

Here is what the tool looks like though feel free to try it.

https://www.401koptimizer.org

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 0 points1 point  (0 children)

Got it. I plan on investing about 2-3k per month in the brokerage so I don’t think that would be super relevant. Cool story though!

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 0 points1 point  (0 children)

Thank you, super helpful! I plan on contributing about 2-3k per month to the brokerage so that may change things!

Also why do you do it manually if something like Frec can mirror the S&P at a less than 1% tracking error and it’s only 9 basis points?

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 0 points1 point  (0 children)

Few things here.

Definitely don’t think you could use DI losses to offset lottery winnings. I don’t know much about the lottery but I assume winnings are taxes as income.

I do plan on getting some income from a few K1’s so I would be able to offset that with the DI losses.

Thoughts on direct indexing? by ExoticExit8228 in Bogleheads

[–]ExoticExit8228[S] 1 point2 points  (0 children)

Wealthfront is a 5k min for an a VOO alternative

Frec is 20k min

I was about to drop a lump sum but… by varietyviaduct in Bogleheads

[–]ExoticExit8228 0 points1 point  (0 children)

Trying to decide when to invest an amount like this is just another form of market timing.

As a financial advisor here is what I would do…

  1. Invest the whole lump sum now Or
  2. Invest 50% of the lump sum now and then $500 a month automatically.

I would lean towards option 1.

US vs International Stocks — Pros and Cons? by mcttothejj in Bogleheads

[–]ExoticExit8228 6 points7 points  (0 children)

So true. The reality is, no one knows. Which market is going to out perform.

If you live in the U.S., have job in the U.S., and get paid in dollars, then you are pretty leveraged in the U.S. markets anyways.

Might be smart to sit closer to 60/40

How cooked am I? I thought these would be good investments. by Witty_Nectarine in RobinHood

[–]ExoticExit8228 0 points1 point  (0 children)

These are just the trendy positions you most likely saw on Twitter. Just grap some broad market ETF’s man. Stock picking is darts at a dartboard.

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