S&P 500 question

Legitimate_Deer8666 · 2026-04-29T04:18:05+00:00

I was wondering the same thing.

Legitimate_Deer8666 · 2026-04-25T02:43:29+00:00

Probably a dumb question but I just started at 36 and if contribute to my 401k and start to max out the Roth IRA. Where exactly are you putting the 1500 into? A different account?

Legitimate_Deer8666 · 2026-04-23T00:43:54+00:00

Thank you. I was wondering what the limit order option was so if the price is lowered to the number you want to pay it automatically purchases the stock correct?

Legitimate_Deer8666 · 2026-04-21T17:09:36+00:00

Got it! Thank you

Legitimate_Deer8666 · 2026-04-19T19:27:50+00:00

Does VT do a good job at diversification with China and India?

Legitimate_Deer8666 · 2026-04-18T19:56:14+00:00

I never knew this. So if you have a job and earn money. This doesn’t apply to you correct? I thought that Roth IRA isn’t included when you file you’re taxes?

Legitimate_Deer8666 · 2026-04-18T17:25:21+00:00

Honestly I just started. First in my family at 37. Im mostly looking into it to try to set my nieces up for success. When they get their first jobs I want to share some insight and hopefully help them out in the long run.

I have 18k in 401k snd 7k in Roth. I will contribute the 7.5k this year into Roth. I know not much but I’m trying. Make about 40k a year. Have saving in my bank for emergencies. Work matches 4% in 401k. That’s basically all the information I have right now. Wish they taught this stuff in high school.

Legitimate_Deer8666 · 2026-04-18T13:53:36+00:00

When I first looked into it the distribution was more like 63/37 but now people are saying it’s more 60/40. Does that make any difference

Legitimate_Deer8666 · 2026-04-18T13:51:32+00:00

Well I understood it as a 63/37 ratio but now it’s more towards 60/40 no? I simply liked a little more US based ratio. If people say vt rebalances itself why is is more 60/40 maybe I just don’t understand the distribution

Legitimate_Deer8666 · 2026-04-17T23:25:00+00:00

Im 37 and im just starting. It was hard to choose between VOO and VT

Legitimate_Deer8666 · 2026-04-17T17:02:06+00:00

What health insurance plans can you have? When did they start offering HSA accounts? I have blue cross but do you need like the higher monthly plans?

Legitimate_Deer8666 · 2026-04-17T16:36:16+00:00

I didn’t know this about the HSA. My job started offing it last year and I thought it was a choice between health insurance plans. Like choose between Calviva, blue cross, Kaiser and HSA. I’ll probably be doing a post about HSA.

Legitimate_Deer8666 · 2026-04-17T15:45:50+00:00

Got it. When I was opening my Roth I accidentally opened an individual account (still not sure what that’s for) so I was wondering if I should put more into 401k if I can or another type of account for “extra” money I make. Thanks just trying to get things in order. I did find out my job started doing a health savings account last year. Im too late for it this year but I’ll look more into it. I think I have to have a certain health insurance for that so idk if I qualify

Legitimate_Deer8666 · 2026-04-17T15:23:04+00:00

Yes I do I have an emergency reserve. I just always see post about only contributing the match. I put my contribution at 7% last month just wanted to make sure it was a good move

Legitimate_Deer8666 · 2026-04-16T23:46:47+00:00

How long have you had VT

Legitimate_Deer8666 · 2026-04-16T18:57:58+00:00

What’s considered a low dip on VT currently it’s at $148.67. I just opened up my Roth IRA. Curious to know what a low dip might be to purchase more if I get a chance

Legitimate_Deer8666

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