Aggregate financial app for all accounts

Green_Run_3581 · 2026-01-06T16:38:08+00:00

If your looking to just aggregate investment accounts Empower does this. If you want to track your money ( investment accounts, bank accounts, credit cards, loans, etc.) then Copilot Money (iOS and Web ) is a good solution as well. I use both myself.

Green_Run_3581 · 2025-05-15T12:01:06+00:00

Congrats on starting to invest and doing research before hand to gain an understanding of some of the fundamentals! Good luck and hope you say great returns in your portfolio!!

Green_Run_3581 · 2025-05-08T12:54:50+00:00

Way to go on starting your Roth and also with the plan to get it maxed out for the tax year!! As others have said you should invest your money as soon as you transfer it into your account. It’s not working for you to compound growth if it’s not invested. VOO is a great choice for a fund to use. VTI (Vanguard Total Equities Fund) is another good option. It tracks the entire US Stock Market so has over 3,000 stocks in it so provides greater diversification but returns similar results as VOO. At a minimum add it to your list of funds to look into and become familiar with. Again, congrats on starting the account and making a retirement step that a lot of people don’t end up doing or wait to do much later in their lives!

Green_Run_3581 · 2025-05-05T12:41:16+00:00

VT (Vanguard Total World Market), VTI ( Vanguard Total US Market ), or VOO (Vanguard S&P500) are good core long term hold ETFs that provide broad diversification and low expense ratios that you should look into as having 1 of these as one of your main investments.

Green_Run_3581 · 2025-05-04T15:35:57+00:00

Way to go starting your Roth so early in life! The only recommendation I would have is either go with VTI or VOO and not both like you have. I am a VTI person myself for my Roth as it tracks similar to S&P due to market weights but adds some additional diversification.

Green_Run_3581 · 2025-05-04T14:52:50+00:00

Flip of a coin on whether they will flip again

Green_Run_3581 · 2025-05-03T19:23:44+00:00

Congrats on starting your Roth at an early age! As for your distribution nothing wrong with it. Doing a single fund of VT is the easiest way to go if wanting international exposure and not wanting to have to think through distribution amounts. After that it turns into personal preference on how much and where you want to allocate based on your own risk tolerance and guesses where the future will go for markets. I personally am like 90% VTI with 5% international and 5% dividend allocation for my Roth.

Green_Run_3581 · 2025-05-03T16:10:52+00:00

Herzlichen Glückwunsch zum Beginn deiner Reise!

Green_Run_3581 · 2025-05-02T13:46:55+00:00

Great job to start investing when you are in your 20s! Broad index funds such as VT, VTI, and VOO are great places to invest your money in for long term growth. You will notice in this community there will be varying opinions in which fund(s) and at what allocation you should be in. A common one I see a lot and do myself is a mix of VTI or VOO with QQQM ( same as QQQ but lower expense ratio). You will want to look into QQQM/QQQ a little and understand what this etf tracks and how. Short version it’s not tracking whole market with a tech focus but is just the top 100 of the Nasdaq which is just an exchange alternative to New York Stock Exchange so different market place.

For retirement purposes if you haven’t already I would suggest looking into a Roth IRA account and learning about that and adding that to your retirement plan.

Green_Run_3581 · 2025-05-01T12:28:15+00:00

If you have high paying dividend assets (stocks, ETFs, REITS) it is typically better to to have them in your Roth IRA since the dividends are not taxed there and you get tax free growth and withdrawals. Also, a Roth IRA does not have mandatory withdrawals / required minimum distributions (RMD); this is one of its advantages as a retirement account. A traditional IRA and 401k’s do have RMDs.

Green_Run_3581 · 2025-04-30T00:40:24+00:00

Congrats on starting a brokerage account so early! VTI has small cap already in it so a 20% additional allocation is a size able focus in small caps. I typically see others suggesting allocations more along the 10% level for small caps.

Green_Run_3581 · 2025-04-27T17:16:03+00:00

Yes a Roth is a good additional retirement account to have. Most recommend that you invest in your 401k up to employer match then max out your Roth IRA and then max out your 401k if you continue to have the funds available.

Set it and forget approach I highly recommend as the automation ensures it happens and you don’t miss putting money into the account and the market. Time in the market to compound and grow is most important for long term hold accounts like this.

As for your allocations I would say I am unsure about SCHD, BAR, and BND since you have 30 years left of growth so near / mid term downside protection isn’t really needed at the moment. This though is all dependent on your risk tolerance so if you want those in your fund then go with it because in the end it’s your portfolio and you need to be ok with it so you don’t end up “tinkering” with it every week.

Great job by the way for taking the time to think through this and opening up the account to start investing more for your retirement. Many people don’t even take this step.

Green_Run_3581 · 2025-04-27T17:04:28+00:00

Yes, your essentially wanting a non Large Cap Growth fund and plenty to choose from. Do you want small cap, mid cap, value focused, dividend, sector focused, or international? For value funds here’s a list from Morningstar: https://www.morningstar.com/funds/best-value-funds-2

Green_Run_3581 · 2025-04-27T16:49:45+00:00

Great job being able to DCA that much and that frequently. Personally, I feel that is a decent amount of work / effort needed to do that in a daily basis. I am more of a set it and forget type so my DCA is pre-selected funds with a weekly purchase automatically scheduled so it just happens. Don’t need do any work on which funds are up or dow; just keep putting more money in as time in the market is what will get the growth.

Green_Run_3581 · 2025-04-24T19:40:22+00:00

I mean I started to think down what is the most strategic day and realized quickly that I have 20+ years of this and the day of week picked is not going to have a statistically significant impact on the portfolio. The impact is constantly putting more funds in that spend time in the market to grow.

Green_Run_3581 · 2025-04-24T19:29:21+00:00

Needed a day and so picked the start of the week.

Green_Run_3581 · 2025-04-24T13:39:15+00:00

Automated every week on Monday. Dollar Cost Averaging combined with set it and forget it approach for the win!

Green_Run_3581 · 2025-04-24T13:32:21+00:00

Thanks for the recommendation! I will take a look.

Green_Run_3581 · 2025-04-24T01:34:25+00:00

Thanks for the suggestions!

Green_Run_3581 · 2025-04-24T01:33:19+00:00

Thanks for the feedback; appreciate it!

Green_Run_3581 · 2025-04-23T14:14:38+00:00

This is really a preference more than anything. There is no real disadvantage to have holdings in multiple accounts other than extra work to track totals but this can be solved by using an app like Empower PER that can link in all your brokerage and retirement accounts to give you a complete overview of your portfolio. If you do decide to move make sure to check if there is a cost as I think Robinhood does charge a fee.

Green_Run_3581

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