How would you reallocate investments? Right now I have 80k in retirement accounts, 10k in brokerage, 50k in HYSA and 8.5k in crypto. My monthly expenses are less than 3k a month and my salary is 90k. I’m considering moving 20k from the HYSA into stocks and maybe dabbling in some options trading. How foolish would this be? No debt, no dependents, 29 and probably won’t be able to affo…

How to cash in retirement investments Let’s say I already have a decent amount invested in retirement, an amount I haven’t touched (haven’t removed any value, but have kept contributing to) for decades. Now I want to ‘cash in’ and enjoy my life. What’s the exit strategy for this? If I take out everything in one go, then my money stops making money for me. If I cash in just the profi…

Should I put more towards investments? I have a very economy driven job, all commission, so nothing guaranteed. I have about 60k in cash, 60k in investments. Maxing out my ROTH ira, $500 into long term account and $500 into mid term account. Anything left over at the end of the month is put into the cash nest egg. Should I put more into my investments rather than the nest egg? I’m na…

Should I be more conservative with my investments to pay off my truck Hello, in my 20s, make about 62-64k a year (depending on bonuses and overtime, net maybe around 52k ish last year) currently living with family rent free, but pay for bills like phone, car note, internet, my own insurance etc. Just bought a truck and have a 30k loan out on it at the moment. My payments are about $650 and my goal is to pay it of…

How do I calculate my Roth IRA investments. If I’m 30 and I put $50 into my Roth IRA weekly how much will I have accumulated in 25 years? How do I calculate that? submitted by /u/angrycactus92

Possible to move taxable investments to a Roth IRA without paying capital gains? I have some money in a taxable brokerage account that was gifted to me many years ago (prior to setting up my Roth IRA). My wife and I are planning to purchase a home within the next few years, so we would like to liquidate some of this money and put it into a money market account inside a Roth IRA so it grows tax free and we can withdraw the ea…

How stupid would it be to exchange my investments for socialization? I am a 25M who has lived in a small city my entire life. The problem with a small city is that there are limited opportunities for socializing, and there is no infrastructure for the activities I enjoy. I have no girlfriend, no friends, only my family. There are also no career opportunities for me here. I feel like I am wasting my 20s while peop…

best online tool or software to track your investments? i’m looking for a (hopefully) free web-based tool to track my investments such as ETFs and index funds as well as stocks. which are cheap or free and are the best – especially for mac platform? Thoughts? Thank you! submitted by /u/sua_lokin

If I will be a student next year, but have large number of investments, does it make sense to sell those investments and immediately re-buy them up to $47,025 to lock in those gains? Hello all, I am currently a working professional but will be pursuing my masters beginning this fall. As you might imagine, next year, my income will be materially lower than it usually is, with the only income being a potential internship. I have my nest egg in a taxable brokerage account (ignoring my retirement accounts). Would it make sense n…

Sell investments or just leave sitting there? Hey everyone! I am 17, almost 18, and have been investing since I was 14 under my parents name. Mostly VOO and IXUS. Up until recently, I only invested around $1,000 a year, but I’ve managed to land a pretty well paying job for my age and have built up 15k in an HYSA and roughly ~4k in stocks. As soon as I turn 18, I plan to open a Roth IRA and …

How do my fidelity investments look? (New to this) I am new to investing and no one in my family is financially literate. I started a Roth IRA with fidelity last year and contributed $3,395.20. I am in my 20’s and don’t really know what I’m doing. I thought I would reach out here and really appreciate any feedback at all. My asset allocation: • 84% Domestic Stock • 1% Foreign Stock • 0% Bonds …

Student debt vs investments Hello! This is my first post ever on Reddit, but I have a particular question that I need some advice on. I’m 24 years old and I have about 65k in total student debt. I graduated 2 years ago and currently work in some dead end banking job making a little over 50k per year (working on securing a better job currently) I have saved up about 11k in …

LPT Request: People say that a gym membership is one of the best investments you can make. What other examples are there of ridiculously good investments? About the gym membership: obviously, that is if one is regular and committed. submitted by /u/Educational-Fruit-16

How much money should I have to start an investments account? My wife and I would like to start an investments account so our money can “start working for us”. We totally get this is a risk vs reward thing, that’s not at all the problem or question we have. Our question is how much money should we put in to start it? Is there a minimum banks will generally allow? Or a minimum to make it worth it? If we put…

Do I need to expand my 401k investments? 27M and realized that my 401k is all in one fund that tracks the S&P (Spartan 500 Index Pool – Linked below). https://institutional.fidelity.com/app/proxy/content?literatureURL=/9882691.PDF I’ve been contributing since May 2020, and when I did the math, I’ve gotten a 11% return on my total contributions Life-to-Date (May 2020 – Sep 2023). I fee…

Is 4% return on long term investments too conservative? I’m 31 and just doing some planning for retirement numbers. My investments are 85% total stock market and 15% international. I used to use the standard 7%, but it feels too risky when looking at the next 20 years. What’s a safer percentage to use for planning purposes? Is 4% too unrealistic? submitted by /u/attaboy123

401k/IRA vs other investments Hey all, long time listener, first time caller. 29F blessed to be in a healthy financial position. I realized that I have too much sitting around in a HYSA, way more than is needed as an emergency fund. Going forward, my plan is to increase my 401k contribution (not currently maxing it out, but getting the full employer match). Maxing out Roth …

Turnkey Drop Shipping Opportunities/Investments Has anyone worked with a company that builds, manages, scales, etc a drop shipping business for you? Is it a viable investment, is it a scam with an overstated earning potential? If you’ve had experience with a company, can you share your input? Pros, cons, success stories, expectations, etc. submitted by /u/No-Diamond-4862

What Index’s/ Investments should I focus on? I am a 21 year old college student who has limited knowledge on the stock market at index funds and I am looking to start investing my money for the long term. I have traded on the stockmarket using Robinhood for a couple years now and I want to venture into a deeper level of investing. From my limited research a S&P 500 index is one of the top …

do companies have some motivation to get you to roll your investments out of their plan? I’ve been getting some mild pressure tactics from employees of the administrator of my old company’s 401k plan to roll it over into a general market 401k. I can attribute that to some degree to the fact that it would give their paid advisers a chance to gain trading authority, but I’ve already demonstrably poo pooed that idea to them as I’ve alw…