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  • What causes bond ETF’s to go down? I’m looking at $AGGY, seems relatively stable and in its up trajectory, but what causes it to go down? All the bond ETF’s seem pretty range bound. wondering why.

    I have some cash that I don’t want to put into volatile stocks and dad told me about money market ETF’s. I think he meant bonds. Open to other ideas just want a relatively safe investment until there is a dip buying opportunity in stocks.

  • I’m 26, unmarried no kids, no debt and make ~$120-$130K pretax. I have a Roth IRA opened in 2018 and maxed out for 2018 but might have to open a traditional for 2019 given I’m nearly on pace to cross the income threshold barring Roth conteibutions (I work on a % commission so won’t know til end of year). I have ~ 30K in a brokerage account heavily invested in blue Chip equities (~65% of portfolio), ETFs and indexes (~20% portfolio). The remaining 15% is in Fixed income.

    I am looking to diversify as my risk exposure is very high given the breakdown. I saw Ray Dalio’s all weather fund and it seems like a great long term strategy, however, it is very heavy in medium and long term bonds (65% of portfolio)

    I am having a hard time determining why I would not just keep the money I could invest in those bonds (which have a ~2.5% yield) into a high yield savings account like Marcus (2.25%)

    I’m willing to have the slightly lower percentage for a guarantee and increased liquitidity, plus my understanding of bonds is they only really make you decent money if they fully mature.

    Am I missing something here?

  • Can anyone help me with some UK specific advice? I’m 32, suddenly making a decent amount, have about 500 disposable to play with each month. Max pension contributions. Currently renting, no debts. Pretty secure and stable, but have never invested before. No plans to buy a house currently but maybe long term. So looking for long term advice and fairly risk tolerant. I started topping up my instant cash ISA with Lloyd’s but it seems like that’s a bad idea from some brief reading and that I should switch to a stocks and shares ISA? Not even sure how to do that.
    Besides that anything else I should be looking at?
    Really appreciate any help

  • I’m 23, currently make $76k/yr before taxes. I have no debts, about $7k cash saved, $1.2k in a Roth IRA that I opened this month and about $3.5k spread across Tesla (bought in at recent $178/share low) and Qualcom stock in a brokerage account.

    My goal is to save up for a down payment for a house (live in Nor Cal atm).

    I want my savings to do more than just sit there since i’ll probably be saving for a few years. As of right now, I average saving about $1200+ a month from my paychecks.

    Investing advice? How much to contribute to Roth IRA right now since it’s essentially dead money until I’m of retiring age. I also contribute 15% of my paycheck to my company 401k.

    Thanks for any suggestions 🙂

  • I’m currently 36 years old, making ~$55K annually. I’m looking to maximize my retirement nest egg.
    Unfortunately, my company doesn’t offer a 401K match; however, they do offer ~17.5% stock purchases match (up to 10% of salary). There is no minimum vesting period, and the transaction to sell any shares is a flat $15 fee.

    I don’t have much investment knowledge, so I’m wanting to keep my portfolio fairly simple – index funds which I plan to hold ~25 years.

    The ask: given the limitations and fees of investment via the stock matching – is it worth diverting funds through that avenue? Or would it be better to simply keep the 10%, and immediately invest into index funds?

  • I’d like a rating of this aggressive portfolio:

    * 29% VOO
    * 34% VEA
    * 13% VB
    * 9% VO
    * 7% VWO
    * 7% VNQ
    * 1% BNDX

    I was told some of these ETFS aren’t tax efficient. Thoughts? Suggestions?

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