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/biz/ - Business & Finance

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12139460 No.12139460 [Reply] [Original]

30 yro here

i have 33k in tax advantaged accounts and 200k in cash in my savings/checking. my wife has about 300k spread across her retirement account and other various accounts.

we're looking to get our investments in order. me particularly since i have none, essentially, at the moment.

any suggestions on what our portfolio should look like /biz/ ? no crypto shit.

>> No.12140414

>>12139460
100% link

>> No.12140425

nice larp

>> No.12140433
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12140433

>>12139460
>>12139460
>>12139460
>>12139460

There you go. Investments.. I'd recommend low cost index funds (VTSAX/FZROX, etc), some bonds, etc. maybe an 80/20 split depending on your risk tolerance levels.

People say the market is overdue for a correction and maybe they're right. Keep enough liquid to weather out any short term storms (2-3 years) and invest the rest. If the global economy tanks and never recovers we're all fucked anyway.

>> No.12141226
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12141226

>>12140425
stay poor

>> No.12141241

>>12140433
so basically follow bogleheads?

>> No.12141246

>>12139460
Wait until the housing market collapses and then buy a complex. Grats, now youre retired.

>> No.12141270

>>12141241
basically, i guess so yeah

>> No.12141293

>>12141270
ok so say i go 75/25 stocks/bonds. what stock and bond funds should i go with?

i'm guessing i don't want to go above intermediate duration?
and which stock funds should i go with? i know that for whatever reason bogle doesn't like international equities but imo china is the future and is going to replace the USA in 30 years and the world's dominant superpower.

>> No.12141304

>>12139460
>asking /biz/ for serious financial advice

>> No.12141308

>>12139460
High-growth funds, since both you and your spouse are already pretty well-off and are rounding 30. If you have the extra time and are interested in individual stock picks, consider researching nvax and pti.

>> No.12141315

>>12139460
Find a fiduciary like Jazz Wealth and let them do it for you.

>> No.12141321

>>12141293
keep any funds you go into broad based, again VTSAX/FZROX for stocks is fine.. bonds orobably something like VBMFX.

there’s an argument to be made that the top companies in the US market are indirectly international since they’re so huge (Apple, FB, Microsoft, etc). i personally dont invest in any international funds.