403b allocations after layoff I’m going through a layoff and an extended litigation with my former employer of 16 years. I am in a very niche field and my employer took a scorched earth approach to my termination which is hindering my search. I have tried for different sorts of positions but it’s not going well. I haven’t touched my retirement yet (~230k in a 403b) but given…

Money allocations help 27M (if this matters) TSP:29,046.18(invested but no longer have a government job so no more personal contributions flowing in) 401k:8,081.40(invested) HSA:3,227.86 (2100 invested) Checking’s: 61,161.02 HYSA:41,957.64 (4.5%) Should I transfer my TSP to my 401k, or to a new ROTH IRA or just leave it. Should I transfer more from checking into my HY…

36yo. What are your thoughts on these investment allocations? Since 2025 is close, I’ve been wondering if my investment allocations are still fine. My only goals are to eventually move to Mexico and not work forever. Allocations: Employer Profit sharing: 100% VTSAX ($351,600) Roth IRA: 60% FSKAX ($38,742), 40% VTSAX ($26,100). The reason for the split is because I had originally opened the account with VG …

Retirement planning: Pre-tax vs Roth allocations Hi all, I am 42, make about $140k salary, and have $400k in my Roth accounts / $60k in my pre-tax accounts. My 2024 strategy has been to max out traditional 401(k) with $23k, then contribute $7k to Roth IRA as I will be under contribution limits. Should I also convert the 401k to Backdoor Roth, to maximize my tax-free status in 20 years? Or do I…

Institutions Go All In on Crypto: Sygnum Survey Reveals 57% Respondents Plan to Boost Allocations A notable 65% of the survey respondents are bullish long-term, with 63% mulling more allocation to digital assets in the next three to six months.

401K allocations, is this too conservative? getting close to being 50 yrs old, yikes… time flies. currently my spread is 15% bond and 85% in stocks for my 401K. TROWE advisors tells me I’m still young and should be more aggressive more like 95/5 or 90/10. thoughts? submitted by /u/ek9cusco

Need help with 401K allocations please, current fund is doing nothing! Happy Memorial Day to all. I am a 40 year old male with 350K in my 401K. It is currently all invested in PRJIX (T Rowe Price New Horizons), @ $55.59. Down from the all time high of $101.35 on 11/9/21. This fund was butchered -36.91% in 2022. I have been patiently waiting for this Small Cap fund to recover, but it cannot get over $60 and I’m worr…

Fair college savings allocations between kids I finally got around to opening up 529s for my kids. I have a 5 year old and a 2 year old. I’m trying to think through how to be fair to them as I fund the accounts both with any lump sums that come in over the years and with monthly payments to each. I’ll probably sell 20k or so of stock I’ve got in a taxable account to get things started and t…

Embarrassed about 401k allocations! Please help. Looking for some advice and education. I have an employee match 401k with fidelity that I believe is pretty well diversified but hasn’t been performing too well. I’d like to just put say 50% of my contributions into an index fund dated 2060 and the other 50% in the s&p500. Two questions 1- is that a bad approach? I’ll admit I don’t follow stock…