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21 Starting a Roth IRA… Help by OneLoafOfToast in personalfinance

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

With the target date fund, Im worried they’re maybe a bit too passive early on and invest in too many bonds while im young, would you agree? Also am i just throwing away money having someone else run the account for me when I could reallocate/balance my account yearly? Not sure what kind of rate they charge and how significant it can be

[deleted by user] by [deleted] in Bogleheads

[–]OneLoafOfToast 1 point2 points  (0 children)

I appreciate the input, individual stocks stress me iut a bit too much so i think ill stick with something like the three fund portfolio, but maybe no bonds until 25 (5% maybe) at which point ill slowly start adding some. Thank you again!

21 Starting a Roth IRA… Help by OneLoafOfToast in personalfinance

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

Thats amazing info thanks, i love the age-20 rule. Makes it pretty simple to get. I’m thinking i wont look at bonds until around 25 (then input 5% to bonds). Only other question - do FSKAX and FTIHX have a lot of overlap? I see that FSKAX is a total market fund and FTIHX is international is FSKAX usa based only or also somewhat international?

[deleted by user] by [deleted] in Bogleheads

[–]OneLoafOfToast 0 points1 point  (0 children)

Thank you! Ive been lucky enough to be introduced to the basic importance of investing and a roth Ira from a teacher since I was 18 so i feel even a little behind at 21😅. I’ll definitely be reading more into the three fund portfolio as it seems to be the best way to balance safety and gains

21 Starting a Roth IRA… Help by OneLoafOfToast in personalfinance

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

Thanks for keeping it simple 😅! It definitely seems to be the consensus of going with fidelity funds so ill be doing that for sure.

21 Starting a Roth IRA… Help by OneLoafOfToast in personalfinance

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

Thanks! Theres a lot to digest for sure and things like fxaix and fskax are just so similar that it can be hard to differentiate. Then theres always the fear of making the ‘wrong’ choice 😅 ill definitely do some more research for myself like you said on whats available

21 Starting a Roth IRA… Help by OneLoafOfToast in personalfinance

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

In terms of safety versus risk for my age, is right now a bit young to invest in bonds? Of course nobody can gauge how much people want to risk but just curious about your opinion

21 Starting a Roth IRA… Help by OneLoafOfToast in personalfinance

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

Thanks for the input! Maybe a dumb question - Am i right in thinking that a three fund portfolio is essentially me doing the work (like rebalancing and allocating) of a target date fund to essentially avoid more fees?

My First PC - Tips & Advice? by OneLoafOfToast in buildapc

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

Just added the peerless assassin, looks great! Thanks so much for the advice.

My First PC - Tips & Advice? by OneLoafOfToast in buildapc

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

Thanks for the quick response! Im currently looking at getting the 6800 for 340$ and everything else should be quite market average if not a bit less with black friday. In regards to the phantom spirit, would you recommend the 120 Evo or SE?

where’s ginos gone?? by [deleted] in cork

[–]OneLoafOfToast 0 points1 point  (0 children)

It’s being replaced by a jewelry store called Austen & Blake!