Financial Discipline

[SwamyRaRa]

Gp

[Kool_SRG]

35 minutes ago, SwamyRaRa said:

Gp

Kk

[nelaticket55]

Bachelor unappudu all amount transferred to Parents a/c...only basic car,laptop maientanance undedii..after marriage all money for wife..very simple

[BaabuBangaram]

pelliki mundhu 10k inr vachhina 5K migiledhi...pelli tharwatha  60K vachhina credit card giyyalsi vasthundhi

[AndhraneedSCS]

17 hours ago, Spartan said:

15% after-tax in stocks. 

6% pre-tax in retirement. 

Same to Same. 15% after tax in Company ESPP plan. Company will give stocks for 15% discount but we have to hold them for 1year before selling them. 

 

6% pre tax in 401K, for which the company will add 3.5% of salary. If I contribute 6000, Company will add 3,500.

[phatposts]

 

[iam_who_iam]

18 hours ago, papampasivadu said:

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

401K lo veysina money company change aithey teesey appudu tax cut aithay anta kada baaga?

[iam_who_iam]

18 hours ago, Spartan said:

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. 

Bro ee mutual funds ekkada konali? direct aa websites lo konaala or emaina untunda like tradeking laaga? also naaku thakkuva profit vacchina parledu kaani safe ga undali i mean nenu oka 20K veysthey andulo atleast oka 5 years tharuvatha min 20K aina ravali kaani 1 dollar kooda thaggoddu alantivi emaina unnaya mutual funds? ikkadey US lo invest cheyddam anukuntunna mutual funds kakunda inka emi options untay? thanks chitti @Spartan

[Spartan]

1 hour ago, iam_who_iam said:

Bro ee mutual funds ekkada konali? direct aa websites lo konaala or emaina untunda like tradeking laaga? also naaku thakkuva profit vacchina parledu kaani safe ga undali i mean nenu oka 20K veysthey andulo atleast oka 5 years tharuvatha min 20K aina ravali kaani 1 dollar kooda thaggoddu alantivi emaina unnaya mutual funds? ikkadey US lo invest cheyddam anukuntunna mutual funds kakunda inka emi options untay? thanks chitti @Spartan

u can open account with Fidelity or Vanguard..and buy the mutual funds from there.

i prefer Fidelity. akkada u can choose any type of mutual fund and also view the holdings wichi that fund has.

like medical, energy, gas, oil, blue chip tech etc kind of.

https://www.fidelity.com/mutual-funds/overview 

and put ur money in that fund. they will manage.

[Spartan]

58 minutes ago, papampasivadu said:

No..traditional IRA kindha rollover cheskovacchu company maarithe...paisa karchu avvadhu

agreed.

[Spartan]

2 hours ago, papampasivadu said:

depression em ledhu baa...but ee rotta routine bore kottesindhi

cheerup man..

[Spartan]

13 hours ago, Anta Assamey said:

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

endi..naaku vache salary lo 15% ke poshistunna antunnava...

[Anta Assamey]

1 hour ago, Spartan said:

endi..naaku vache salary lo 15% ke poshistunna antunnava...

Adhi chalu nee salary lo 15% ante.. 

Football choodatleda.... 

[DaleSteyn1]

1 hour ago, Spartan said:

u can open account with Fidelity or Vanguard..and buy the mutual funds from there.

i prefer Fidelity. akkada u can choose any type of mutual fund and also view the holdings wichi that fund has.

like medical, energy, gas, oil, blue chip tech etc kind of.

https://www.fidelity.com/mutual-funds/overview 

and put ur money in that fund. they will manage.

for suppose naa deggara oka 50k$ cash undhi anuko e protfolio suggest cheshtav mutual funds lo 

[Spartan]

1 hour ago, DaleSteyn1 said:

for suppose naa deggara oka 50k$ cash undhi anuko e protfolio suggest cheshtav mutual funds lo 

i would put 10K each in Medical, Energy, Oil and Gas,

rest in Blue chips. (Balanced Fund) last year the return was 17% because market was good, so u can avg it out to 10+% this year. if market is ok