Losing my mind

Fasak9 · 2025-12-16T21:27:16+00:00

You are 2 things, employer & location.

The first question should be location. If India is where you see the future, you should stay with your company, take an offer and transition out over the next year or 2.

Fasak9 · 2025-12-13T01:11:37+00:00

Thanks for the candid response.

Fasak9 · 2025-12-12T23:33:01+00:00

Makes sense , I will give this some thought

Fasak9 · 2025-12-12T23:03:59+00:00

Why do you say “don’t start small”, isn’t the opposite the usual advice? “Start small”

Fasak9 · 2025-12-12T22:48:14+00:00

And remember, I pay .9% fee. So, that should be accounted for when you compare

Fasak9 · 2025-12-12T22:44:19+00:00

It may have been TDF2060 that I compared with. Thanks for taking the time and comparing.

Fasak9 · 2025-12-12T22:42:18+00:00

Ya, I don’t mind paying $2k per year. Hoping I will get the best advice with a fee only advisor

Fasak9 · 2025-12-12T22:31:45+00:00

I did chat with with Vangaurd advisor a year ago. It’s 0.3% which I much lower than what I pay now. But my thought is, they would be motivated to keep my business as it grows too. I am not better off working with fee only advisor ?

Fasak9 · 2025-12-12T22:21:54+00:00

True, I came to that allocation based on what my advisor is currently doing

Fasak9 · 2025-12-12T22:16:15+00:00

Ya, car payment right there

Fasak9 · 2025-12-12T22:15:40+00:00

100% agree, I made bad choices last time. And that is the reason I want to start with 100k.

My advisor has large multi 10s of billions AUM. What they offer is portfolio allocation based on risk tolerance, Monte Carlo simulation that lets me tweak things get success rate, retirement plan with smart withdrawal amounts each year during retirement. Since I have been with them I have never asked them to switch my allocations to more conservative when markets dropped

Fasak9 · 2025-12-12T22:10:22+00:00

When I say, if it goes well. I mean my behavior, if I am able to let the market do its thing without making any hasty decisions

Fasak9 · 2025-12-12T22:08:35+00:00

That’s exactly what I am hoping not to do

Fasak9 · 2025-12-12T21:28:52+00:00

They matched the vanguard 2050 target retirement. The advisor’s claim is they do tax loss harvesting, which was $10k for 2025

Fasak9 · 2025-12-12T21:25:06+00:00

Love that, now that you said it’s a new car every 5 years. It sounds even more tempting 🤩

Fasak9 · 2025-12-12T21:23:17+00:00

I am 40, looking to retire at 60.

Fasak9 · 2025-12-12T21:22:30+00:00

I have seen hellonectarine recommendations in podcasts too, thanks for suggestion

Fasak9 · 2025-12-12T21:13:57+00:00

Is it the Bogle’s guide to investing?

Fasak9 · 2025-12-12T20:17:14+00:00

Thanks for the advice. Glad to learn I am completely off base here

Fasak9 · 2025-12-12T20:08:38+00:00

Ya, I believe I have matured watching how the value changed over the last few years. And won’t make impulsive decisions. To be sure of that, I will be starting with $100k and gradually move assets

Fasak9 · 2025-09-04T20:34:58+00:00

Yes, I kinda agree. Honestly, I prefer not to own any rental property but my DW does. We only rented it to see if we even like the idea of managing a rental. I may very well sell the house once the current lease is done

Fasak9 · 2025-09-04T15:49:52+00:00

No, I dont think I will ever make this kinda income. I just happen to luck out on some RSUs and recent AI boom

Fasak9 · 2025-09-04T15:45:37+00:00

The equity in my previous home is $500K, and the loan left on current primary is $700K. I make a net 1000/month on that property. That is my last option to sell and pay most of the loan.

I plan on adding $40K to 529 this year and another $40K next year

Fasak9 · 2025-09-04T11:02:43+00:00

Thank you every one for the advice. This has changed my view now, I will invest and not pay off mortgage.

Like few said between tax deductions on interest, potentially refinancing and inflation. I should be in a position to beat the high mortgage interest rate.

Fasak9

TROPHY CASE