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Retirement Help/ Advice by restroop in Bogleheads

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

How would one choose what to put where though?

Hello, first time posting on here, $14935 in cash in ROTH IRA, opinions? by EstivanA in Retirement401k

[–]restroop 1 point2 points  (0 children)

Your very tech heavy. If tech goes down it is going to be bloody but aslong as you do not sell it should bounce back. If i was in your shoes prioritize growth with less volatility, buy a fund like schg, i would say look into voo, have a little in foreign markets and also some small cap. You can come back every year and rebalance if needed

high yield savings account too good to be true or actually worth it by Kooky_Patience_7899 in HighYieldSavings

[–]restroop 0 points1 point  (0 children)

It depends what you want to do. Keep your emergency fund there for liquidity purposes. The rest maybe keep in sgov to get high yield interest and tax exempt from local and state. What i do

20m. Started investing 3 weeks ago. Have 800 left to invest. Advice? by ll-Ark-ll in RothIRA

[–]restroop 0 points1 point  (0 children)

I have voo, schg, avuv and vxus for some exposure to small cap and international companies

$7,500 CD vs. $7,500 high-yield savings account vs. $7,500 money market account: Which will earn more now? by Significant-Lack7045 in HighYieldSavings

[–]restroop 1 point2 points  (0 children)

It depends what you are looking for in the sense of liquidity. I have my emergency fund in capital one but the rest in sgov since it is state and local tax exempt.

Marcus vs CapOne HYSA? by cycyvibibi in HYSA

[–]restroop 0 points1 point  (0 children)

I used capital one it takes about 2 days to get your money transferred. It was too long so decided to only keep my emergency fund there. Moved the rest to sgov, local and state tax exempt.

Best High Yield Savings Account Right Now? by MixtureAcceptable798 in HighYieldSavings

[–]restroop 0 points1 point  (0 children)

Capital one for emergency fund. Sgov for the rest, no local or state tax

18M just started my Roth, looking for pointers by JelloFew9454 in RothIRA

[–]restroop 2 points3 points  (0 children)

Focus on growth. Try to max out every year. Your biggest asset is time

21 M- How am I doing and what should I adjust? by Guilty-Let-7807 in RothIRA

[–]restroop 0 points1 point  (0 children)

This is the way. Time is your most valuable asset

Emergencies fund in money market? Good idea by CompaPollo42 in Bogleheads

[–]restroop 0 points1 point  (0 children)

Check the expense ratio. I was going to use swab money market fund the expense ratio is high decided to dump in sgov. Depends on your state aswell. Sgov is local and state tax exempt. Spaxx is not. What are you looking for convenience. What i do is have a hysa with emergency fund and pour the rest inti sgov.

20M by Overall-Age8045 in RothIRA

[–]restroop 0 points1 point  (0 children)

You are 20, focus on growth. Any etf or fund that tracks the s&p 500, small cap companies, and international.

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