Investing vs saving as a PhD student I’ll be starting a PhD program this fall, and would appreciate advice on how to manage the savings that I have. For the last few years, I’ve been working and have saved up around 35k, which is currently sitting in a HYSA. I’m thinking of drawing on my savings to “enjoy life” during my PhD, using it for summer/weekend/conference travel, small lux…

What order do you prioritize investing and retirement? (401k, IRA, Roth, etc.) For context, to get this out of the way quickly: Age: 43 Salary: $185k + 15k Annual Bonus (200k Gross) Net Income After Taxes: $148k I have the following accounts: 401k (Employer does not match until after a full year employed, and I have about 4 months left till that happens – matching 5%) – Started the gig in September of last year: Less tha…

Is there a point where you should stop investing and just spend instead? I’m currently 35M with 230k across 401k, IRAs and investment account. Based on calculator.org, with a 10% yearly return …. Once I hit $750k I will make more on interest than on my contribution and said contribution doesn’t affect my expected value too much after 10 years. Thoughts on this? Do people stop investing and start enjoying the money …

Canadian Investing Advice Hello Financial People! So I’m in Canada and I feel like some of the advice/guides cater to the American side of things but would transfer in a way to us north of the border i assume. I keep seeing more and more about getting away from high fees etc. I’d obviously like to pay less fees given my monthly contributions to an RRSP are not super high…

Investing in FFIJX VS FDEWX I am a 24y male and i’ve recently started with fidelity. I have a rollerover IRA account with 34k rolled over from a previous employer 401k. I want the set it and forget approach so i was advised to go 100% into FFIJX(2065). I was wondering if i wanted to retire earlier like 2055 , would i put the money in that index (FDEWX) instead ? What would…

Parents in their 60s want to start investing My parents are 60 and 62 years old and are curious about investing. Neither of them have ever really invested before, and pretty much have zero retirement savings other than about $100,000 cash left over from selling their home and downsizing (their new home is completely paid off). They are semi retired in that they only work 1-2 hours per week…

Investing – beginner I’m just starting out in investing and looking to contribute around £100 – £200 a month. I’m thinking of using Monzo’s investment feature, specifically the adventurous fund, as it seems good for beginners and has the highest long-term returns. I’ve also seen that people use Plum to invest in the Global Tech fund. Does anyone have recommerndation…

Investing attitude above market analysis? this has been bugging me. Whenever I start studying finance, I keep coming across the idea that it’s impossible to consistently beat the market over time. Earnings reports can be misleading, and technical analysis is just ‘astrology in disguise’. Why is everyone so sensitive about predicting market movements when that’s what finance is supposed …

15 years old, investing questions Hi I am currently 15 and am turning 16 in September I currently have a part time job. I want to invest for multiple goals including a car by December, and some money to put towards college. I can invest roughly 70-80% of my paycheck because I have very little expenses. How should I divide it between a Roth IRA, bonds, mutual funds, and possibly …

New to investing – What should I do? Hello! Im relatively new to investing (currently a student), and I currently have some money in an S&P 500 ETF. However, I actually still have some leftover cash that has been stagnant in my bank account (it was my childhood bank account but the amount has not changed for a few months). Currently, 25% of my net worth is in stocks, so should I k…

investing while in a pension? I think this is probably a silly question, but recently started a job with a pension. I can’t manage how the money deducted from my paycheck into the pension is invested, right? submitted by /u/red_it337

Best way to start investing for newborn? I read a bit into different options and was hoping to get some clarification. We received almost $3K from friends and family as gift and want to invest this amount + at least $500 monthly toward our newborns future. I have read about: – 529, which there are different types if I’m not mistaken – Roth IRA – not sure how that works as newborn does…

Are We Investing Too Much in Marketing Technology? ChatGPT would introduce this topic by talking about the vast and swiftly expanding landscape of marketing technology. And it would be right to do so. According to Scott Brinker at chiefmartec.com, we’ve seen a 500 percent increase in MarTech solutions over the past decade. And ironically, thanks to ChatGPT and AI, we’re poised to see

Are We Investing Too Much in Marketing Technology? ChatGPT would introduce this topic by talking about the vast and swiftly expanding landscape of marketing technology. And it would be right to do so. According to Scott Brinker at chiefmartec.com, we’ve seen a 500 percent increase in MarTech solutions over the past decade. And ironically, thanks to ChatGPT and AI, we’re poised to see

Am I Investing my Down-Payment Well? I (25M) want to figure out if I’m doing good with my investments for my future Down-Payment. I currently have a Flex CD with $56,500 (4.65%) paying out in May 2025 — I can contribute as much as I want until then. I also recently opened a Discover HYSA (4.25%) that has $15,250 — got a $150 SUB. I keep $5,000 in my personal savings account (whic…

where can i start investing i have 270$ i can start investing a month i want to put at least 100$ or all 270$ a month in some account that collects interest any ideas on where to invest it ? submitted by /u/Savings-Swimmer-4884

Investing options for an international PhD student. TLDR : What are some options for international students (on an F1 visa) to invest in the US stock market? Is Roth IRA (Fidelity vs Charles Schwab) the best option? I am a first-year PhD student (in STEM in a 5-year program), and I look forward to joining the industry and working after my PhD (perhaps moving back home if the situation arises). I…

Is HSA investing worth it? I always select the best insurance plan. While I don’t frequent the doctors office much, my theory is that I would rather pay a monthly premium and never have to worry about large medical bills. I’m contemplating changing to an HDP that has an HSA, I thankfully make enough money to be able to max out my 401k, IRA, HSA, and ESPP. What are your t…

Investing as a College Student Im 19 and currently pursuing a nuclear engineering degree. I currently have about 10 grand to my name through scholarships and saving from jobs. I feel like I should do something more with the money rather than having it sit there. Any advice? submitted by /u/cats-in-boots

27 YO, How Much Should I Start Investing? I’m a college student/veteran that just landed a $84,884.80/yr job in TX for a Defense Contractor. I make an extra $23,928.12/yr from VA Disability (which I don’t need to pay taxes on) due to injuries suffered in the Marines. This would put me at $108,812.92/yr. I make an extra 10 to 12k in VA educational benefits housing allowance, but it’s not…