Financial Discipline

[Chinna_123]

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

[Spartan]

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. 

[Spartan]

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 

[Chinna_123]

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

[Spartan]

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. 

[Chinna_123]

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??

[Chinna_123]

36 minutes ago, papampasivadu said:

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

AntheleA theme

[Spartan]

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..

[jajjanaka_jandri]

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

[Peddayana]

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  

[Anta Assamey]

6 hours ago, Spartan said:

15% after-tax in stocks. 

6% pre-tax in retirement. 

Inka dabbulu ekkada vuntayi ... ippudu ardam ayyindi ... 

[vendettaa]

7 hours ago, jajjanaka_jandri said:

Guys,

 

How do you save your money? how much of your salary? INdia ki pamputhara, leka ikkada savings account ahh?  Inni days enjoyed full ga.. planning to start saving.. any tips are appreciated .

80% savings and 20% enjoying

edoka property konalani commit avvu ala u will save

[Spartan]

23 minutes ago, Anta Assamey said:

Inka dabbulu ekkada vuntayi ... ippudu ardam ayyindi ... 

  ....ma inti owner gadi bank account lo. 

[jajjanaka_jandri]

1 hour ago, vendettaa said:

80% savings and 20% enjoying

edoka property konalani commit avvu ala u will save

yaa this is a good idea bro

[Anta Assamey]

1 hour ago, Spartan said:

  ....ma inti owner gadi bank account lo. 

US Stock market ni bags poshistunavu .... malli inti owner antav ....