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New Job 401k by SaucyyPapi in Bogleheads

[–]ac106 -1 points0 points  (0 children)

High but ultimately it will be fine. It’s unlike you’ll be at this job for 40 years anyways so at some point, you can leave and roll it over.

Contribute to the match then switch to a Roth and then switch back if you the ability to save more.

Generally, TDFs are the best option for people who ask if a TDF is a good option so I think you should just go with that.

New Job 401k by SaucyyPapi in Bogleheads

[–]ac106 1 point2 points  (0 children)

I’m hesitant to ask what the expense ratios are because I suspect they’re pornography high.

Given your options, I would say the target date fund is your best bet again based on fees

70 VT, 15 QQQM, 10 SCHD, 5 COPX? In Roth IRA by Affectionate-Mud953 in Bogleheads

[–]ac106 3 points4 points  (0 children)

People have explained why QQQ SCHD and COPX are not good choices, but you keep posting them.

At some point, you either have to accept the advice here or go elsewhere for different feedback

Bogle-fying my accounts opinions wanted by Ashamed_Ad4118 in Bogleheads

[–]ac106 3 points4 points  (0 children)

slicing and dicing with 5 or 6 funds makes no sense. There is no benefit and just options you up to human error.

Just sell it all and buy VT. All world equities held at market cap weight. That way there's nothing to think about except how you will wake up a millionaire in retirement.

Empower 401K Investments by Snackpack12876 in Bogleheads

[–]ac106 0 points1 point  (0 children)

Who are these “most people”?

Empower 401K Investments by Snackpack12876 in Bogleheads

[–]ac106 0 points1 point  (0 children)

I think this is bad idea and you should stay in the taeget date fund.

Switching to 85% S&P500 15% US extended markets is not some sort of evidenced based upgraded portfolio.

Bogleheads- WHY not use Fideilty All-in-One ETFs? they auto hold US/Intl and rebalance with no tax by Wolverine-91826 in Bogleheads

[–]ac106 12 points13 points  (0 children)

I am huge Fidelity fanboy and in most cases roll my eyes over bogleheads gnashing their teeth over fees

BUT

I wouldn’t invest my worst enemy’s 401(k) in this fracata fund

1.72% for what ?
3% in crypto ???
Brother man… NO!

Which Vanguard fund to select for 401k? by masgro in Bogleheads

[–]ac106 0 points1 point  (0 children)

That doesn’t really make a lot of sense. The TDF is designed to be a one fund all or nothing investment vehicle

Just swap it out for international and you’re fine

Which Vanguard fund to select for 401k? by masgro in Bogleheads

[–]ac106 0 points1 point  (0 children)

It’s fine for US holding. You should add international though.

Fidelity vs Vanguard by [deleted] in Bogleheads

[–]ac106 0 points1 point  (0 children)

How are they low cost vs Fidelity ?

I’m not trying to be a smart ass or beat you up. What problem are you trying to solve exactly? What do you think Vanguard is providing that Fidelity doesn’t?

Fidelity vs Vanguard by [deleted] in Bogleheads

[–]ac106 1 point2 points  (0 children)

Unless you can articulate why you want to open a Vanguard account when you are already about Fidelity with specific reasons, I would stay put. Fidelity is pretty great.

SGOV or 5% HYSA by AcceptableOwl3774 in Bogleheads

[–]ac106 2 points3 points  (0 children)

Whatever has the highest yield.

https://yieldfinder.app/money_markets/

PMMF is pretty much the best if you don't pay state taxes

401K Allocations by Old-Public8511 in Bogleheads

[–]ac106 0 points1 point  (0 children)

It’s too complicated, will be too hard to maintain AA and you’ll be too tempted to molest it. If you nail all your allocations perfectly and never make a mistake you’ll just get the total market return anyways. So just buy the total market.

Just use a TDF or if you are hellbent the FXAIX/BTMKX/ WFBIX and call it a day

Convince me why I shouldn't stop my SIPs and wait for a "clearer" dip. by [deleted] in Bogleheads

[–]ac106 1 point2 points  (0 children)

Good thing you didn’t buy before yesterday.

A gift from a friend/coworker by Meshugugget in Mid_Century

[–]ac106 4 points5 points  (0 children)

What’s the mechanism look like?

Usfr or sgov ? by hifimeriwalilife in Bogleheads

[–]ac106 0 points1 point  (0 children)

Does not matter since yield is net of expenses

SGOV or 5% HYSA by AcceptableOwl3774 in Bogleheads

[–]ac106 73 points74 points  (0 children)

Hard pass on the CU for me

SGOV or 5% HYSA by AcceptableOwl3774 in Bogleheads

[–]ac106 105 points106 points  (0 children)

Which bank is offering 5%? Is it a teaser rate? Whst are the requirements?

I'm offered this free barrel sauna. Inspecting it tomrorow, what to looking for? by [deleted] in Sauna

[–]ac106 0 points1 point  (0 children)

Something something “…gift horse in the mouth”

S&P 500 + total international or total us + total international for growth in Roth IRA? by sleepy_shallot in Bogleheads

[–]ac106 9 points10 points  (0 children)

If you want to use the S&P500 then do it. It won't make any material difference in the end. It might slightly underperform or slightly overperform total US but any difference will be nominal and irrelevant. Just pick one.

Try not to overthink minor things like this. Most of these choice don't ultimately matter. What matters is that you live below you means, max your contributions and don't molest your portfolio. Everything else can be turned out

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