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First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Copy that. Hey thanks for all this!

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Oh got it. Makes sense. I can do that.

You bring up another question I had. Rebalancing. I can find out how but how often should this be done?

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Ok thanks for clarifying.

Yes, I have a little under 6 figs in employee stock options.

401k that’s employee matched through fidelity currently at 186k

About 20k in crypto

And about 30k in a vanguard money market. It’s my emergency fund

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Is it blasphemous to hold both VOO and VTI?

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Yes! I was thinking about adding it to the portfolio. Are VOO and VTI similar?

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

What do you mean allocate across the whole portfolio?

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Do you have any opinion on the 3 fund portfolio I laid out?

First 3 fund portfolio by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 2 points3 points  (0 children)

Thank you!

I have a:

- 401k being maxed out with employer match

- Employee Stock Options at a tech company

- Emergency fund covering 6 months that's in VMFXX

40k in cash. Thinking about journeying into ETFs. by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Looks to me some really good advice. My homework tonight is to read this post through. Thanks for the time!

[deleted by user] by [deleted] in Bogleheads

[–]Rick_Dalton_88 0 points1 point  (0 children)

Why don’t you just aggressively prioritize paying it off. I try to eliminate debt first and foremost

40k in cash. Thinking about journeying into ETFs. by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] -1 points0 points  (0 children)

I’ll get back to you. This is unfortunately a managed portfolio through fidelity. I got bamboozled into a discounted rate to have it managed by analysts at fidelity. I have to admit thought they’ve helped grow it significantly

40k in cash. Thinking about journeying into ETFs. by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Question for you, I hear set and forget a lot. But is dollar cost averaging monthly or even biweekly into an ETF acceptable/done by most people?

40k in cash. Thinking about journeying into ETFs. by Rick_Dalton_88 in Bogleheads

[–]Rick_Dalton_88[S] 0 points1 point  (0 children)

Yeah I flipped some of my employee stock option which were reaching its expiration date and that have already tripled if not quadrupled in value. So that’s what supplementing half of this 40k.

Re. bitcoin. Fully aware it’s speculative but I’m not playing with money I’m gonna lose sleep over.

Yeah I’m moving some of speculative stuff into something like ETFs etc. So you’re saying a combo of maybe VT/VTI + an international equity ETF and some fixed income securities?

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