Stock Investment Help

[Jaggadonga]

DB investors pls suggest. Long term ki s and p stocks, AI stocks evo better? 

Roth IRA lo investment better ah. Thanks 

[rmJU72]

This is an oft repeated question bro and the recommendation is following order after 6 emergency funds are secured.

1. 401k pre tax

2. HSA

3. IRA

based on your question looks like your new to investing. so better go with S&P index fund like VOO and QQQ(basket of tech stocks) in these accounts. choosing individual stocks is risky.

[Pandubabu]

1 hour ago, Jaggadonga said:

DB investors pls suggest. Long term ki s and p stocks, AI stocks evo better? 

Roth IRA lo investment better ah. Thanks 

vti 

[Jaggadonga]

5 minutes ago, Pandubabu said:

vti 

vti?

[Jaggadonga]

1 hour ago, rmJU72 said:

This is an oft repeated question bro and the recommendation is following order after 6 emergency funds are secured.

1. 401k pre tax

2. HSA

3. IRA

based on your question looks like your new to investing. so better go with S&P index fund like VOO and QQQ(basket of tech stocks) in these accounts. choosing individual stocks is risky.

Thanks bhayya. Any AI stocks with good potential apart from S&P?

[enigmatic]

splg/voo - broad index
qqq/qqqm - nasdaq 100 
schd/jepi - dividend etfs
individual stocks ante better research them and buy it based on your own conviction
 

 

[nenesuperni]

1 hour ago, rmJU72 said:

This is an oft repeated question bro and the recommendation is following order after 6 emergency funds are secured.

1. 401k pre tax

2. HSA

3. IRA

based on your question looks like your new to investing. so better go with S&P index fund like VOO and QQQ(basket of tech stocks) in these accounts. choosing individual stocks is risky.

I got suggested with 401k post tax, like I pay my taxes now, as I am in early 30s

[rmJU72]

3 minutes ago, nenesuperni said:

I got suggested with 401k post tax, like I pay my taxes now, as I am in early 30s

Always pretax #1 and then contribute to after tax with Roth conversion as #4 in my earlier list.
People tend to overestimate their withdrawals at retirement. Even if you have all pretax if you withdraw below income tax levels at retirement, you are not paying taxes on them. So better use the current pretax quota for sure.

 

 

[ManchamKodi]

1 hour ago, rmJU72 said:

This is an oft repeated question bro and the recommendation is following order after 6 emergency funds are secured.

1. 401k pre tax

2. HSA

3. IRA

based on your question looks like your new to investing. so better go with S&P index fund like VOO and QQQ(basket of tech stocks) in these accounts. choosing individual stocks is risky.

uncle what is S&P and QQQ

[Pandubabu]

1 hour ago, Jaggadonga said:

vti?

Google chey uncle 

[phatposts]

2 hours ago, rmJU72 said:

This is an oft repeated question bro and the recommendation is following order after 6 emergency funds are secured.

1. 401k pre tax

2. HSA

3. IRA

based on your question looks like your new to investing. so better go with S&P index fund like VOO and QQQ(basket of tech stocks) in these accounts. choosing individual stocks is risky.

Priority wise - I would move IRA to #1, HSA to #2, 401k to # 3. 

For some people HSA is # 1 due to triple tax advantage.

[Pandubabu]

2 hours ago, nenesuperni said:

I got suggested with 401k post tax, like I pay my taxes now, as I am in early 30s

it should not be as simple as that 

[Pandubabu]

44 minutes ago, phatposts said:

Priority wise - I would move IRA to #1, HSA to #2, 401k to # 3. 

For some people HSA is # 1 due to triple tax advantage.

401k is definitely first if matches , until atleast match percentage 

[rmJU72]

1 hour ago, phatposts said:

Priority wise - I would move IRA to #1, HSA to #2, 401k to # 3. 

For some people HSA is # 1 due to triple tax advantage.

Always do pretax first before after tax. 401k and HSA are pretax and order can change if it matters to you. I’m assuming by IRA you mean Roth IRA which is after tax, so that should come later.

[phatposts]

19 minutes ago, rmJU72 said:

Always do pretax first before after tax. 401k and HSA are pretax and order can change if it matters to you. I’m assuming by IRA you mean Roth IRA which is after tax, so that should come later.

I was not talking contributions. I was talking investing within those accounts.