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I have $300k liquid (nearly all in VTI). What can I do with it? 36 years old.
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Date: July 27th, 2025 12:05 PM Author: histrionic balding senate Single, no debt, no mortgage, etc. I have about $200k in my 401k. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134567) |
Date: July 27th, 2025 12:09 PM Author: fantasy-prone range What are you saving for? If you're single and you're not weighed down by a mortgage you simply don't need that much money. What comes next? (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134573) |
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Date: July 27th, 2025 12:34 PM Author: histrionic balding senate It's basically just a financial cushion in case I lose my job and struggle to find a new job. I used to think of it as my early retirement account, but I don't make enough to save enough to retire all that early. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134640) |
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Date: July 27th, 2025 12:09 PM Author: citrine associate Ignore it for at least twenty more years (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134575) |
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Date: July 27th, 2025 12:11 PM Author: Nubile Rehab Basically nothing (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134577) |
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Date: July 27th, 2025 12:20 PM Author: thriller pisswyrm garrison Two chicks, same time. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134597) |
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Date: July 27th, 2025 12:26 PM Author: Canary Water Buffalo Leave half in there. Take the other half and split it between schd or jepi and vgt. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134619) |
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Date: July 27th, 2025 12:35 PM Author: histrionic balding senate Seems like a bad idea for two reasons: 1. it's a taxable event, and 2. it'd reduce portfolio diversity. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134644) |
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Date: July 27th, 2025 12:38 PM Author: Canary Water Buffalo How would it reduce portfolio diversity? (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134655) |
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Date: July 27th, 2025 12:44 PM Author: histrionic balding senate Because the ETFs you mention hold fewer stocks than VTI, and buying them would increase my exposure to a subset of the market rather than capturing the US market as a whole through VTI. Also, those ETFs will almost certainly underperform relative to VTI over the long term. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134676) |
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Date: July 27th, 2025 12:53 PM Author: Nubile Rehab just put it all in one stock that will do really good
what youre doing right now is just holding a bunch of shit stocks really |
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Date: July 27th, 2025 8:30 PM Author: Canary Water Buffalo So why are you here asking for advice? Just leave the money all in vti and go fuck yourself (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49135909) |
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Date: July 27th, 2025 1:28 PM Author: maroon bull headed striped hyena just leav it there, i learned the hard way no point trying to time market or pretending its topped nad u shld get out, u still ahve a ways to go to get to furk u level so just let it sit there and pray to allah for 100% return over 5-7 years like benchods got in recent times (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134828) |
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Date: July 27th, 2025 1:30 PM Author: Purple newt What do you mean what can you do with it? Do you mean something to earn greater yield than total index? Then S&P 500. Do you mean something to earn way greater yield? Start a business with it. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134836) |
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Date: July 27th, 2025 1:32 PM Author: Nubile Rehab you're a dumb kike (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49134840) |
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Date: July 27th, 2025 8:21 PM Author: histrionic balding senate (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49135885) |
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Date: July 27th, 2025 8:32 PM Author: dull locus Just let it do there. You might need cash for a downpayment someday. And if you get married, a ring, wedding, etc. Good to have some pre-marital scratch. (http://www.autoadmit.com/thread.php?thread_id=5755169&forum_id=2Reputation#49135919) |