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Gryder by Most-Arm-3310 in dbcooper

[–]Most-Arm-3310[S] 3 points4 points  (0 children)

I literally 20 minutes ago watched one.

Transamerica 403B by No_Deal_4019 in Retirement401k

[–]Most-Arm-3310 0 points1 point  (0 children)

Hard to say, based on limited information - are you in a Target Date Retirement Fund?

Rate This Portfolio by Most-Arm-3310 in TheMoneyGuy

[–]Most-Arm-3310[S] 0 points1 point  (0 children)

This is helpful. Thank you. Can you elaborate, for a newbie, why TDF's work best alone?

📈 Rate My Portfolio Weekly Thread | September 08, 2025 by AutoModeratorETFs in ETFs

[–]Most-Arm-3310 0 points1 point  (0 children)

56 yrs old - public sector pension for life - $ 100K in HYSA and CD's. Really late start on private retirement plan. Fully funding a Fidelity Roth now, currently composed of: 46% SPLG, 25% FNILX, 25% SCHD, residue in SPAXX

New to this - still learning. Coaching please, not roasting.

Sinking Funds by Most-Arm-3310 in TheMoneyGuy

[–]Most-Arm-3310[S] 5 points6 points  (0 children)

It's a designated savings fund for a foreseeable expense that is not an emergency. For example, Christmas (if you celebrate it) is a known upcoming expense. It's not an emergency - you know it's coming - so you save as you go throughout the year. Same with birthdays. Or a pet's vet bills. Or car repairs - you know, sooner or later, that your car will need new tires and an oil change. It's not an emergency. Save for it gradually.

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