Calling 401 k experts

[krishnote3]

i set it to US large cap and international ..house kontunnapdu loan thisukovachu anta.other than that if we withdraw bariga

penalty ani vinna.India vellipoyina vallu kuda e money ni thiyalee na frnd okka manager

[TOM_BHAYYA]

4 minutes ago, krishnote3 said:

i set it to US large cap and international ..house kontunnapdu loan thisukovachu anta.other than that if we withdraw bariga

penalty ani vinna.India vellipoyina vallu kuda e money ni thiyalee na frnd okka manager

10% ve eppudu theesina before retirement 

[TOM_BHAYYA]

8 minutes ago, krishnote3 said:

i set it to US large cap and international ..house kontunnapdu loan thisukovachu anta.other than that if we withdraw bariga

penalty ani vinna.India vellipoyina vallu kuda e money ni thiyalee na frnd okka manager

Roth IRA nundi mathrame first time house purchase ki without penalty theeyochu anukunta

[krishnote3]

3 minutes ago, TOM_BHAYYA said:

Roth IRA nundi mathrame first time house purchase ki without penalty theeyochu anukunta

endhuke ante ROTH IRA lo money vesetappudu u literally transfering tax pay chesina money..so when u withdraw no penalties .

Adhe tranditional IRA lo without tax money vestham (if am not wrong we cant open traditional only emplyrs chestharu manaki) contribute chesina money ni tax ded lo mention cheyochu. e money withdraw chesthe penaltie kattali.

[ARYA]

1 hour ago, TOM_BHAYYA said:

@Spartan n others 

target 2020-2025..2060 dhaaka evevo options unnai 

dhaniki thodu emergin market equity funds real estate inv trust.. so many options

mana standard options emaina unte cheppandi vaa..

ayco gaditho next month end ki call undhi aa lopu pettestha  

tom anna tom anna 401k ante entannaa...

[macha]

4 hours ago, Run said:

my comapny uses merrill lynch bro.. login ayya.. edho vadi personal Manager advice  program every 90 days ki automatic update ayithunnatundhi... avvi ani waste a? own ga control cheyatam better a?

Own ga research Chesi chesukovatam better its little risky but bull market lo you can make full advantage can expect atleast 17% returns every year 

[macha]

4 hours ago, Spartan said:

  correctey..50-50% pettukunte better emo aite..  @TOM_BHAYYA  and make it 80-20 when market falls..

2008 oct la my cousin lost almost 30% in there 401k with in 3 days .. I just said because you can’t predict when and how force market falls .. ofcource my portfolio was very small 2 out of 3 401ks I have since feb it’s sitting 80% bonds and 15% stocks 5% cash 

[Run]

26 minutes ago, macha said:

Own ga research Chesi chesukovatam better its little risky but bull market lo you can make full advantage can expect atleast 17% returns every year 

ok

[former]

1 hour ago, macha said:

2008 oct la my cousin lost almost 30% in there 401k with in 3 days .. I just said because you can’t predict when and how force market falls .. ofcource my portfolio was very small 2 out of 3 401ks I have since feb it’s sitting 80% bonds and 15% stocks 5% cash 

you can buy shares at low price on the drop. 

[aditya]

Go for high risk portfolio, retirement ki inka time undi kada.. when we pass 50 years slow ga % ratio stocks vs bonds change chesukovachhu.. when we are young in my opinion aggressive portfolio is best.. market down aina parvaledu.. it will recover 100% (if you invest in good stocks/etf’s/funds etc)  don’t get panic.

target date funds with bigger year date like 2060 are more into stocks & less in bonds.. example: 95%  stock 5% bonds

[aditya]

Search for “Jazz Wealth” in YouTube, i like this guy Dustin - very good info on financials.. basics ninchi baga explain chesi chepthadu.. interest unte manchi timepass aa videos. 

[fasakchull]

10 hours ago, TOM_BHAYYA said:

@Spartan n others 

target 2020-2025..2060 dhaaka evevo options unnai 

dhaniki thodu emergin market equity funds real estate inv trust.. so many options

mana standard options emaina unte cheppandi vaa..

ayco gaditho next month end ki call undhi aa lopu pettestha  

already cumming profits in your desi shop no why all this fasak 

[k2s]

11 hours ago, TOM_BHAYYA said:

Cool chusthunna avi

 

mari ee target retirement  2020.25 30......60 enti?

bonds a stocks a or concept ye vere na

indhulo pettochha

Qochen not clear petrol man..