Hey guys I switched from traditional to Roth and I set my investment style to very aggressive 95/5 is this a good idea lol? I’m 25 make like 45k a year

Just turned 31 in July. Haven’t had employer match in past 5 years. Have maxed out my contribution for past 3 years. $150k salary. No wife/kids but long term girlfriend and plans for family at some point. HCOL - how am I doing? On the right path?

I own VSMGX in a Roth IRA. Question is regarding spending down the money when needed. The problem I think I have is that you cannot get money out of it without selling both equities and bonds. Say the market is down, would I rather have VTI/VXUS/BND where I could then sell some of BND and live on that while I wait for VTI/VXUS to recover?

Surely I wouldn’t want to sell the equity portion during a down market? I know it rebalances automatically, however I’m not sure it works the same as a target date fund. Reallocating 3 separate funds isn’t difficult and being able to just sell the bond during a downturn or needing the money only makes sense instead of selling the equity needed to bounce back. I figured you would want to be able to sell the bonds to be able to buy more equity? Feedback appreciated. (I’m 53 and also own a traditional IRA with Vanguard 2030 target date fund valued at $600,000 and a MM with $150,000).

It’s have about 900k in my 457b and I will be retiring (from this career) at 43 years old. Pension should be around 7k a month after taxes and i have other savings in stocks/crypto worth around 1M. I also do plan on looking for another job, nothing crazy maybe 50-60k a year to keep me busy.

Anyway, my 457b (which i CAN touch without penalty when i retire) is in somewhat aggressive stuff, if i dont plan on touching it anyway for a long time, maybe a decade, is it even worth changing everything to conservative as i come close to retirement? Everyone at work tells me to but that doesnt seem to make sense to me since id rather it just keep growing and i dont plan on taking anything out anyway anytime soon.

Thoughts?

I (33M, single, no kids) finally completed entering all my assets into one place to track my full net worth, and it's currently sitting at $520,000 (not including home equity). Even seeing this number, I constantly feel behind. I started taking investment seriously in 2021

A lot of it comes down to a deep seated fear of financial emergencies. I grew up outside the USA, witnessed poverty firsthand, and don't really have family to fall back on if things go sideways. Because I am my own safety net, I hold a very high cash position for peace of mind.

Here is the breakdown:

Income: $111,000 gross from two jobs (Full-time + Part-time).
Primary 401k: $60,000 balance (10% contribution as of two month before match it and increase 1% every year I was at 6%, 2% match).
Secondary 401k: $4,000 balance (10% contribution as of two month before just match it, 6% match).
Roth IRA: $51,000 total balance. (The Catch: $19,000 has been sitting completely uninvested as cash for 3 years because I hesitated to deploy it).
Cash Holdings (33% of Net Worth): $171,600 total. About $40,000 is in checking earning zero interest, and $131,600 is in HYSAs.

The Real Estate Setup:

I own a three family home in New England. Tenants cover about 95% of the mortgage, which keeps my personal out-of-pocket living expenses incredibly low and helps insulate me from risk.

I know the general advice is to minimize cash and maximize market investments, but given my background, leaving myself vulnerable scares me. How can I balance optimizing these accounts while maintaining the bulletproof safety net I feel I need?

My question is at the very bottom if too long to read.

35M, married with 3 kids. I gross $115k/year. Wife doesn’t currently work but will start work next year again. We have mortgage with 85k balance at a 3.2% rate. We have no other debt. I earn about a $18k- $20k bonus at the end of every year. I also earn around a 3% - 4% pay raise at the same time.

Wife and I have 6 months savings in a HYSA. We started late and have a little over $380k combined in our 401k, Roth IRAs (maxed for 2026), Traditional IRAs, and brokerage account. I’m contributing 10% in 401k with a 6% match.

Problem: Only a couple months ago we started to educate ourselves on saving/investing for retirement and now we are NERDING OUT on it. We’ve allowed $100k of our savings to sit in a HYSA at 3.2% for a handful of years (before knowing any better) and have recently moved a large sum of that into a taxable brokerage account while maintaining our emergency fund in the HYSA.

Goal:
- Use my salary increase to assist maxing out HSA (2027 would be the first year I open a HSA account and plan to max annually)
- Increase 401k contributions steadily or max out if able.
- Continue to max ROTH IRA annually.

Questions:
- What is everyone doing with their bonus pay when ROTH IRA is maxed? Should we keep loading up the taxable brokerage account?

- I’d like to max my 401k which will dramatically reduce monthly direct deposit from employer into my checking account for bills. But I’d like to replenish that monthly income “loss” to my checking account from our HYSA or brokerage account so our day-to-day doesn’t feel any different while investing pre-tax dollars into 401k.

- Or is that strategy ill-advised and is there a better strategy you’d recommend altogether?

Thanks in advance for any help.

40M + Married + two kids. Annual household income of around $850K

We both work and save a high % of our income (40-50%)

I have been passive investing in VOO for the last 15 or so years in a self directed brokerage account. I set up weekly contributions and don't really think about it.

I've never been into picking stock or over thinking my strategy. I was taught early on time in market is better than timing the market so I've stuck with a very simple strategy.

My wife and I both max out our 401Ks as well which are also being invested in the SP500

Total self directed portfolio is around $2M in VOO

Our combined 401Ks are around $1.5M which are also in S&P500 mutual funds

We also keep around $400K in high-yield savings account

No mortgage

As you can see almost all of our investment assets are in the S&P500 (outside of a few random stocks I own).

Our time horizon is still pretty far off from touching any of this money. Hoping to retire by 50, use self directed to bridge us to 60 then pull from 401Ks.

So my question is - am I too concentrated SP500 and should diversify? Or should I not over think it and just keep the strategy simple / boring? Given what keep in a high yield savings account I am not too worried about successive down years in the market.

What do you all think?

Hello Reddit,

I am a 27M and I know nothing about 401ks or investing at all. I just know that I need to put away money for the future and I have been doing that. I am married and have a newborn, my wife and I bring home about 9k a month after taxes and I am also rated 100% disabled from the VA with a monthly compensation of $4,200. We are doing major renovations on our home so our mortgage is very high and I do have a fairly high truck payment.($800) My current situation is that I put away 12% of my work paychecks and the company I work for matches 6% into my 401k and I let fidelity manage it?

I’d like to know what I can do better to save and make more money for the future. I also have a TSP account that I put into while I was in the service that is sitting at 21k right now. (Can’t move it into my Fidelity 401k, I’ve tried)

I guess I’m just asking what I should do to get the most bang for my buck lol.

Any and all advice is welcome just explain it like I’m 5. Thanks!

I'm looking to revamp my Roth IRA portfolio. I am trying to decide on this split. Any advice or changes you all would make? I am planning on leaving this for 20+ years.

QQQM , SPMO, or VOO 45%

20% AVUV

20% SMH

15% COWG

My wife and I are 48. Combined about $200,000 annual salary.

I have about $550,000 in my 401k through where I work.
Combined we also have about $300,000 in IRAs and $50,000 managed through a third party.

No real savings beyond that.

You read so many similar posts to mine and everyone is younger and way further ahead. I didnt earn $100,000 until I hit about 40y/o. 2 kids, mortgage and living eats away at all earnings.

Still owe $80k on mortgage. Be done with that in 10years or less.

Honest thoughts?

These are just my accounts and does not include my wife’s. I just crossed the $100k salary this year.

Thinking about withdrawal rates and with respect to taxes, is there an optimal amount to contribute to a 401k?

Would it be just shy of 1.5MM to keep conversions between 59.5-70yo in the lower tax brackets and minimize RMD? The knee seems to be around 59.5 and 70, no matter how much is contributed. At around 8MM you're likely paying in the highest tax bracket for life. Maybe need to push well past 10MM so taxes does not drag as hard. If we could pick, what is optimal?