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Financial Discipline


jajjanaka_jandri

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15 minutes ago, jajjanaka_jandri said:

 

 

 

just bank lo savings account waste ahh?

oka 6 months ki saripoye amount savings lo unchuko...migatha anta invest...

first preference 401k lo...veelaithe max it out...aa tarvatha kuda save cheyyali anukunte appudu brokerage account open cheyocchu...India lo nammakamaina knowledgable parents unnaru anukunte lands lo invest cheskovacchu

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1 hour ago, chicchara said:

open ROTH IRA or 401K accounts. contribute Maximum..

At what age will you be eligible for this 401K considering our international temp status

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for people who are not interested in stocks, mutual funds are better.

Fidelity. https://fundresearch.fidelity.com/mutual-funds/performance-and-risk/316345206

this is one of the example. 

Vanguard: https://investor.vanguard.com/mutual-funds/list#/mutual-funds/name/month-end-returns

you can choose portfolio which u like..

remember risk increase with increase in expected returns..so decide ur self..

balanced portfolio unna mutual fund is safe bet always..though the return might be 2-4% less.. than the aggressive one. 

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3 minutes ago, Chinna_123 said:

At what age will you be eligible for this 401K considering our international temp status

u can take money even if u r in India. so age factor doesnt matter.

if ur employer is contributing, then put money there..in 401K 

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2 minutes ago, Spartan said:

u can take money even if u r in India. so age factor doesnt matter.

if ur employer is contributing, then put money there..in 401K 

India pothe ela vasthadi... koncham cheppu

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6 minutes ago, Chinna_123 said:

At what age will you be eligible for this 401K considering our international temp status

10% fine kattadaniki siddham aythe eppudaina teeskovacchu....ee rojuna 30+% tax ni defer chestunnav aa contribution valla, so ela chuskunna gittubatu avuddhi

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Just now, Chinna_123 said:

India pothe ela vasthadi... koncham cheppu

emundi ne age vachinappudu withdraw cheskovadame yearly..put in ur American bank account and xfer to India like how u doing now. 

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Just now, papampasivadu said:

10% fine kattadaniki siddham aythe eppudaina teeskovacchu....ee rojuna 30+% tax ni defer chestunnav aa contribution valla, so ela chuskunna gittubatu avuddhi

of course teeskunna appudu kuda tax kattali anuko...but oka vela india ellipothe nee tax bracket kevalam ee amount ke untadhi kadha

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Just now, Spartan said:

emundi ne age vachinappudu withdraw cheskovadame yearly..put in ur American bank account and xfer to India like how u doing now. 

65 varaku untam antava??

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38 minutes ago, papampasivadu said:

65 kadhu...59.5 ee.... untav le don't worry...twaraga povali anna adrushtam undali

are u depressed with ur life or what..

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3 hours ago, kiraak_poradu said:

Sure kaka but I’m not db pedda 

kaka every month  oka constant amount saving account lo padeyyi 

example $600

dont touch the amount strictly

money anthakanna ekuva migilina same amount savings lo veyyi 

jeevitham sankanaki pothe thappa don’t touch saving amount 

note : this suggestion is for savings not investimenti Malla 10gakandi

thanks kaka

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4 hours ago, papampasivadu said:

of course teeskunna appudu kuda tax kattali anuko...but oka vela india ellipothe nee tax bracket kevalam ee amount ke untadhi kadha

correct , tax bracket will change  

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