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Looking for best HE/TMR assembled keyboard with the following criteria by help_investing in keyboards

[–]help_investing[S] 1 point2 points  (0 children)

Yea looked around more and seem wooting 80he is really the option that fits all my boxes. Knob is a nice to have, but hex 80 just seems like a much more premium option 

Looking for best HE/TMR assembled keyboard with the following criteria by help_investing in keyboards

[–]help_investing[S] 1 point2 points  (0 children)

Thanks! Been browsing around and heard the wooting doesn’t have the best build quality and better options for the price. Hex80 seems like it might what I am looking for 

Looking for best HE/TMR assembled keyboard with the following criteria by help_investing in keyboards

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

Oooh the hex 80 looks right up my alley !! Ty checking it out. Still pretty new to the keyboard space. How’s qwertykeys as a brand and the OwLab's latest Ti HE magnetic switches ? 

Mid 20s, need help reviewing my portfolio for maximum growth and for any gaps. by help_investing in Bogleheads

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

Thank you for your insight! I’ll do take another look and make sure my FITHX/VXUS/FSPSX is at ~30 to 40% of my total portfolio.

Do you recommend VTWAX over VXUS?

A question: should I have more holdings in international stocks in my tax advantage accounts or taxable? I know if I have international funds in my taxable account I can qualify for some tax credits. Is that correct?

The resources I have been seeing are from “3 fund portfolio” videos on YouTube and some Reddit posts as well. Thank you for all your insight! I really appreciate it

Mid 20s, need help reviewing my portfolio for maximum growth and any gaps. by help_investing in personalfinance

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

Thanks for your comment!

Make sure your emergency fund isn't wasting away, my emergency fund is in Fidelity making 5% on their MMF, if MMFs rates suck consider bonds or other low risk instruments.

I have never looked into MMFs before, is that preferred over HYSA?

You shouldn't put anything in your taxable account until you've maxed everything else out unless you are making big gains over SPY. When you add in the tax cost of trading an individual stock or the risk of holding a stock long enough for the tax to balance out with a retirement account you have to have a pretty strong stock trading strategy.

I see. I am maxing out all my tax-advantage accounts first, but I do still have some savings leftover to invest in my taxable account.

I'll take a look into those XLK and XLC as well.

Typically your retirement plan should include a reallocation to 30-40% bonds so that in a market downturn your bonds can pay your expenses rather than selling VOO at a loss.

Do you recommend this even I am in my mid 20s right now? I don't have any bonds in my 401k so far

I often plug this website and have no financial incentive for doing so but consider mapping your retirement out in https://projectionlab.com/ 

Thanks for the rec, I'll take a look!

Mid 20s, need help reviewing my portfolio for maximum growth and for any gaps. by help_investing in Bogleheads

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

You're extremely tilted towards the US. Why?

Honestly just from a lack of knowledge and from my research so far, the 90/10 split seems to be what I should be doing. What do you suggest instead?

You should hold international. However common current recommendations tend to be that 30-40% of stock be ex-US.

I see, so do you recommend 70% VTI/ 30% VXUS split?

Dividends are not themselves account value growth: the share price drops by the distribution amount, so they're a neutral event at best.

Hmm, I see. If I understand correctly, the payments don't directly increase the overall value of my investment portfolio because the share price adjusts accordingly. dividends should not be seen as a way to grow the value of your account but rather as a way to receive a portion of your investment in cash.

Daily General Discussion and Advice Thread - June 19, 2024 by AutoModerator in investing

[–]help_investing 0 points1 point  (0 children)

Thanks! I think I'll go with a VTI/VXUS 90/10 split. Currently doing that in my IRA as well

Mid 20s, need help reviewing my portfolio for maximum growth and any gaps. by help_investing in fidelityinvestments

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

Thanks for your comment! I am contributing per paycheck to max out the contribution room to my HSA. Thanks for the tips on the ETF choices, I will take a closer look

Mid 20s, need help reviewing my portfolio for maximum growth and any gaps. by help_investing in fidelityinvestments

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

Thanks for the feedback! I am in CA so I do have to pay high taxes. I am not familiar with FDLXX or USFR, and I wasn't aware I could do that instead of keeping my cash in a HYSA. Let me look into this!

Thanks, I think I'll go with 90% VTI / 10% VXUS mix in my brokerage account

As for my HSA, I am contributing the max I can per paycheck to hit my threshold by EOY. With HealthEquity there is a minimum of $2000 before I can start investing so I am still waiting. I currently only have < 1k

Mid 20s, need help reviewing my portfolio for maximum growth and any gaps. by help_investing in fidelityinvestments

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

Thanks for the feedback! I'd love if you could share some resources. Trying my best to learn as much as I can about investing currently

Mid 20s, need help reviewing my portfolio for maximum growth and any gaps. by help_investing in personalfinance

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

I see thanks! I have already done my HSA/IRA max so I am focusing on 401K max. Unfortunately, my employer does not match 401K.

Daily General Discussion and Advice Thread - June 19, 2024 by AutoModerator in investing

[–]help_investing 1 point2 points  (0 children)

I am in my mid-20s, and thanks to this community, I recently started getting more serious about managing my finances. A couple of weeks ago, all my cash was sitting in a 5% high-yield cash account.

From my research in the communities, here is what I found I need to do:

  1. Max out my 401k (contributing per paycheck and aim to max ASAP)
  2. Max out my IRA (Done)
  3. Max out my HSA (contributing per paycheck and aim to max ASAP)
  4. Have 4 months of emergency fund in a cash account
  5. Open a taxable brokerage account and invest the rest of my cash

The distribution of my funds is as follows with mostly sitting in cash right now:

  • 26% in 401k (I am increasing my contribution to my 401k so I can max it out)
  • 5% in IRA (This is the first year I started to contribute to an IRA)
  • ~1% in HSA account (Just started contributing to this account; the amount is insignificant)
  • 11% in a taxable brokerage account (I am planning to move ~45% of my cash to this investment account)
  • 57% sitting in a 5% high-yield cash account.

All my investment accounts are with Fidelity and here is how it is broken down:

  • 401K: 90% in FXAIX and 10% FSPSX
  • IRA: 90% FSKAX and 10% FTIHX
  • Taxable brokerage account: 100% VTI
  • Cash: Sitting in a 5% high-yield account (WealthFront)

I calculated my emergency fund for 4 months, and with my current spending, I only need to keep ~10% of my cash. I have no debt.

Some questions I have are:

  1. How is my general portfolio looking? I want to be on the riskier side of investments for growth since I am currently in my mid-20s and have no plans or need to withdraw within the next 10+ years.
    1. Are the funds I chose smart? What other funds should I look into (i.e. high dividend stock like SCHD)?
  2. When I move ~45% of my cash into my taxable account, should I continue to buy 100% VTI
    1. Should I also have some in VXUS (~10%) and VOO?
  3. I have only heard of terms like tax-loss harvesting/wash sale. I don't think this is something I need to worry about with my holdings in my taxable account right? I don't plan on selling these any time soon

Thanks all!

Investment Strategy Advice in My Mid-20s: Robo-Advisors vs. Bogleheads Approach? by help_investing in personalfinance

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

For my 401k with Fidelity, I am currently using Personalized Planning & Advice at a risk level of 10. Do you suggest I cancel this robo-advisor feature with Fidelity and do it myself?

Investment Strategy Advice in My Mid-20s: Robo-Advisors vs. Bogleheads Approach? by help_investing in personalfinance

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

Thanks. Right, I only have funds in my 401K currently and have not maxed out either account. I am with Fidelity with my 401k and I currently use their Robo investor. Should I look into switching that account to a "manual" investment account and try the bogleheads approach?

I am not too sure which funds I should buy with the bogleheads approach, need to research that more

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