How to manage Mutual Funds myself? As the title suggests, I know Charles Schwab, Fidelity, JPMorgan, etc charge certain percent in fees hinging on how much funds you invest with them. I want to circumvent the fees and manage/monitor my mutual funds account myself, I have $150K in savings, I had CD accounts before, now the CDs are not paying as much. I do not have that exorbitant …

Any chance of my issue getting resolved (me getting my funds returned Since the end of February, beginning of may I have been trying my utmost best to get my individual cash returned to my bank account from Robinhood. I deposited $3,001 from my bank account which cleared through the pending process with no issue. Robinhood then decided to restrict my account. I was very disappointed and contacted Robinhood and sti…

Why Invest In Index Funds? I was answering a post for someone else about index funds and it reminded me of a book I read. I think it’s important to understand why index funds are so good by understanding where and why they were created. I thought this group would be interested in it since we suggest them so often in this forum. The book is called “The Little Book of Commo…

Rep. Bob Good Seeks Funds for Virginia Primary Recount The margin between the congressman and his Trump-backed challenger is just slightly above the threshold for a state-funded recount. His opponent has already declared victory, and both are election deniers.

Options for investing in index funds outside the US Does anybody know if there are options for non US citizens that do not reside in the US to invest in index funds in Europe? Do any European institutions provide funds aligned with U.S. funds? If anybody is familiar with this, it would be greatly appreciated. Specifically, looking for options for Eastern European residents. submitted by /u…

Trying to figure out what funds for an IRA Hi everyone I just rolled over my 401k into an Rollover IRA and into a Roth IRA. I have it setup with Fidelity. I am currently 37 and do not plan on touching this money until retirement age. I am working on starting my own business, so I plan to keep this money as my safety net, so no matter what I do I will have this to fall back on for retir…

My mother has been using my account to hide funds My mother has been using my (19F) bank account to hide funds. The first account was opened for me in 2019 with her as a joint account holder, as I was a minor at the time. It started as a college savings account but later became a place for her to hide money to receive certain benefits. I now have two bank accounts with different banks, neither …

Why do ppl do stock picking or mutual funds if they usually underperform the market? Im getting into investing and Im thinking of just doing index funds to build long term wealth. But I feel like im missing something given so many ppl r stock picking or doing mutual funds. Why do they do this? Is it smart to do this for my long term goal? submitted by /u/Spicy-Chiken

Possible to transfer IRA funds to spouses IRA? My wife and I are retired. I have a traditional IRA, my wife does not. We are about to separate (not divorce) and I would like for her to set up an IRA. I would then like to transfer funds from my IRA to hers so that she can receive income and assume the tax responsibility. The objective being for me to avoid a higher tax rate than if I just tak…

Fidelity Mutual Funds Help For Newbie I’m very new at investing, so I put a tiny bit of money (1k) in a Fidelity account. I’d like to invest in mutual funds, but I have no idea what I’m looking at when I try to choose a few. I figured if I just sort of “dip my toes” in investing with 1k, I could learn how it works without much risk. I’ve added some mutual funds to my watchlist, bas…

Asking again, sorry. My previous employer went out of business Dec 31, 2023. The company who holds my 401k/roth funds will not allow me to transfer the funds. My last paycheck and fire date were in January. The rep from the 401k dump repeats “we can’t do anything until your employer signs the form verifying they closed (or similar wording)” Is it really up to me to track down and beg my old employer to sign this form? Doesn’t make sense. I asked if there’s a time limit where I can eventually access m…

What happens to my funds in my old 401K when rolling over to new 401k Hello! I have recently switched jobs and am debating if I need to rollover my old 401K. I am curious as to what happens to the funds within my old 401K and capital gains on my investment when rolling over. For example, if I contributed $5000 in my old 401k but it grew to $7000, would $7000 be going into my new 401k? Sorry for a dumb question but…

How do you guys budget your savings funds? I’m using the every dollar app and trying to really get strict with budgeting. I have OCD and it’s a blessing and a curse. It’s a mix of both in situations like this where I potentially over think it haha. My struggle with budgeting is I never know how to account for things like new clothing, or random unplanned Amazon purchases. I know I’ll ne…

How to ReInvest IRA Funds I was able to recover “lost” IRA funds from a previous employer that was sitting in a Retirement Clearinghouse account. It’s a small amount, about $4,800 (probably 3,300 after taxes), should I reinvest in my IRA or take it to the market and aim for 7% returns?!? submitted by /u/shaggyfoot33

Help Allocating 401k Funds to Match Total World Stock Index Funds Can someone let me know how to see the breakdown of the Total World Stock Index Fund to see what current percentages are? Specifically how it would break out into the following categories: US Large Cap US Mid Cap US Small Cap International Large Cap International Mid Cap International Small Cap Thanks! submitted by /u/CivilProjectEngine…

Do Bond Funds Make Sense In Ultra-Low Interest Rate Environment? If we’re ever again in a situation with ultra-low interest rates like pre-covid, do bond index funds make sense given that you’re not receiving much of a yield and the price of the bond can only go down? Would it be better to just buy a CD/Bond ladder at that point? I’m assuming that they still do make sense, but can’t think it through so please…

Index funds or Mutual funds or ETF to invest in a ROTH IRA? Hey guys! I’m looking to start investing in a ROTH IRA, and I’m a little confused on what to buy, & Confused between investing in Index Funds or in Mutual Funds or ETF’s? What would be the most profitable and ideal? Please advise the best funds and ticker symbol to invest in my ROTH IRA. My goal is to keep investing in my ROTH IRA for the next 1…

Can I transfer SeP IRA funds to Roth or Traditional IRA? Was 1099 about 5 yrs ago and funding SEP IRA up till 2019. Now w2 and obviously can’t fund the SeP IRA. Can I move that to my Roth or Traditional Ira without any penalty? submitted by /u/oclookin

Opinion on paying down mortgage vs Index Funds Mortgage is $490k at 6.375% on a 600k home and index funds are there…have about $20k to throw in either direction. Thoughts? submitted by /u/HungryConfusion3306

Good funds to pair with a Vanguard S&P 500 ETF I want to make a well diversified but aggressive portfolio on Vanguard. So far i invest £500 per month into Vanguards S&P 500 Accumulating fund (VUAG). But this fund is only focused on the US. I was hoping to have a bit more diversity possibly global or maybe bonds. I am 19 and plan to invest for retirement so i’d rather not invest too much in b…