Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Great decision!
How do you plan on investing in the Vanguard ETFs - through your Roth?
By the way, when do your student loans begin accruing interest or have they already begun? Also, are they...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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wow this topic went long the last time I checked :omg:
A little update... I decided to keep some of my money for rainy day/emergency fund and plan to invest the other half on ETFs at Vanguard. I...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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My head is spinning from reading all this.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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This is true but when determining risk tolerance (which was what you were referring to in your post), the main factor to look for is how well an investor can withstand a market downturn. All three of...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Long term investing requires an IPS that is followed through thick and thin. If Mudnug's only retirement investment is his Roth IRA, and no matter what is happening in the market he continues to...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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sounds like your retirement plan is in good shape!
what about your plan for the near future? engagement ring and house come to mind. Do you have a savings account for those?
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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This is not true and does not become true until 20 years down the road. Presently, and for 20 more years, all three of those funds have the same asset allocation (90/10) and are virtually the same in...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Thanks! :worship:
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Would something like 10k in a mutual fund then 15k in the ING be smart?
Just seems that 25k is a lot to keep in something that has low return..
Op seems to have low living expense and a stable...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Has nothing to do about when you retire. It is just how the funds are setup between safer/risker investments.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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10-15% for retirement has been the saying I've always heard. The others are correct.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Since your debt is pretty damn low and you've got a decent amount of savings. Guess the real question would be if you should or are able to take more out of your paycheck and into your 401k to lower...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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i am not one to give advice... as i am a total n00b...
but there are tons of conservative mutual funds out there...and that would allow him to set and forget.... I think it would be realistic to...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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I have a savings account with ING Direct at 1.10% APY and I put in $1,000 the other day. Should I put the majority of my spare money into that?
I accidentally forgot Rebat question about the...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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wow... $42,000 in the bay area with a college degree?
what field are you in?
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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OP likes to "set and forget", which may be an indicator investment knowledge is low.
What would be a safe medium...
CD? wow those rates are horrible
Bonds? what type?
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Retirement investing made simple:
1. Invest in 401(k) only up to company match
2. Invest $5000 per year into your Roth IRA (you can tap into the contributions if necessary)
3. 3-6 month...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Here are some basic information about me:
-I'm 24 and living in the Bay Area
-Just got a job paying $42,000 a year with a 3% increase each year
-I signed up for ROTH 401k and will contribute 5%...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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I realize the job market is bad but you are getting royally screwed.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Good job! Looks good.
Do you have disability insurance?
This is not directly related to your retirement, but a disability without disability insurance can derail your retirement plans.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Good question. The answer is . . . it depends. It depends on how much Mudnug has determined he wants in his rainy day fund. If he has determined he needs/wants $25,000 as a rainy day fund, then...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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I would not put my rainy day money in any mutual fund. I would not put money like that at risk with fees on top of that. It's OK to accept the fact that some of your money will not earn as much...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Vanguard 2045 is currently 89/11... just sayin'
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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I'm starting a brokerage account through my ROTH. When it ask me to pick the brokerage dividends, do I pick reinvest or Transfer to my money market
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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definitely reinvest
and I just checked again, Vanguard 2045 is back to 90/10
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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I think we're on two different pages as to where our focus is with regards to evaluating what the level of risk should be at a particular point in time. Because Mudnug has 40 - 45 years until he...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Damn why am I getting my degree...I make more then that currently w. No degree.
Op what's your degree in?
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Thanks all. I don't think I have disability insurance, just the regular and life insurance. I also have a crazy question....if my Target Retirement Fund is at 2050 does it mean I HAVE to retire at...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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If your job is steady what about taking some of that emergency funds and investing into something that will make you some money... This is assuming that its in a savings/checking account right now..
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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look, dude still lives at home, dude is super young, dude is already concerned with retirement. Ya'll are giving him advice like he's 50 and decrepit. For God's sake, MUDNUG, the stock market was...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Quoting this because it's true.
Plenty of undervalued stocks out there, even those that are on the S&P dividend achievers' list.
JNJ, PG, MCD all still undervalued. That's what I'm putting my...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Brian, this is a high yield savings account. Come on , man.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Personally I would stop your 401k (unless they match).. and max out your ROTH IRA every year.. with the 401k your saving pre tax dollars.. and its locked until you retire. A Roth gives you tax free...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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No, you do not have to retire in 2050. Yes, you can retire at age 59 1/2 and make withdrawals in any amount on any schedule tax-free (i.e. without penalty).
You can also make tax-free...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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Thanks and rep!
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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It ain't easy work and some of it is 3 hours a week over time pay.
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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this is getting off topic... let's get back to the financial advice if possible :)
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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I thought ING Direct was one of the better high-yield savings account. If not, any recommendations?
Hmmm... those haven't really cross my mind yet. I'll probably consider it in the near...
Am I investing my money properly?
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Thread created 01-10-2011 by Mudnug
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It is one of the better high-yield savings accounts. You're on the right track. If you're a Coscto memeber, you may want to check out the high-yield savings account offered to their members through...
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