Reddit 200k invested. My condo is paid off and worth $280,000.

Reddit 200k invested Join our community, read the PF Wiki, and get on top of your finances! the PF Wiki, and get on top of your finances! Members Online • financeq6345. I see high yield online savings accounts getting 3. Do your own financial analysis, start understanding how to read balance sheets, set your goals. On that same token, My main goal when I’m in my 40’s,50’s is to have $100 million+. Yes no brainer invest it. No kids, frugal life, 190k invested. That being said I'm frankly disappointed by the amount of irrational, risky recommendations in this thread. I'm thinking of just putting it all into SWTSX or VTI index funds, since low expense ratio and wide diversification in the U. Typical pnganay bread winner. So I see people saying they can retire on a house fully paid off and 200k invested. I consistently save about +80% of my income. I thought r/fican had fewer illogical hype pushers than this. However, you would still have $35k minimum. The dividend payments would roughly be 1750 per quarter or 572 a month. She could even turn on DRIP if she is able to live on her SS. Pay off your debt. And 500 a week is dragging it out a ridiculously long time, while chances are the price gets higher and higher. Good afternoon Reddit! invested at a reasonable interest rate for 25 years will pay the tax bill and then some. With an ETF, you're basically investing in an industry. But please, read the sidebar rules before you post. Any sub under 200k users is just going to be sweaty hardcore enthusiasts with the odd beginner popping in to ask a question here or there. It’s going to take A LOT to move it even by a few percentage points at that point. The reason my expenses are low is that the I was speaking with a relative with about $200k in mutual funds in a RIF with a big five bank. 2009-2020 was really slow going for RE. It's being managed by an in-house investment advisor but has slowly been losing money over the past 10-12 years. The official Python community for Reddit! Stay up to date with the latest news, packages, "Have enough in the bank to do what you want. Currently I have about 240k in savings. And I won't have to worry about education or housing in retirement. Willing ako na magspare ng 200k for investment or business. Go dump all of that equity into that index fund by buying shares. They will charge u 1% annually and they won’t beat the S&P. No It took me 3 years to hit the first 100k, and just a little over 9 months to hit 200k. I want to put away to invest and forget until retirement or kids college. Also inflation is tricky, as many things deflate with time. If I'm gonna go for a business, I can't be hands-on but I can ask either my mom or my friend who's from another province to actively manage it for me/us. Premium Powerups Explore Gaming. Work with a Financial Advisor. What pisses me off the most is that $200k could have compounded. He is 80% in a single industry! Never do that. Assets (~220k net worth) - condo worth 270k with 150 mortgage left (130k) small condo I would not listen to the person above. My mom is 80. If something crazy happens and he needs money now, he could sell shares as needed. Hello there! My portfolio is getting closer to hitting the $100K mark and I’m very excited about it. Can someone please tell me how tf that is possible? And also is it a US based thing? I'm from Australia and I see people in aussie based fire subs saying more like a fully paid off house and 1. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; Get the Reddit app Next it’ll be 200k at 17 The GM requirement is exactly why people want to get the 200k nightfall out of the way before they're available. 3% interest rate, which is only $1,350 a year in interest. I live with family, but we split all costs equally. When you invest a larger sum of money, like $200,000, consulting with an expert could be well worth your time. If you invested 200k in 2008 at the absolute peak before the housing crisis crash, the absolute worst timing, and didn't dollar cost average, you would be up 168% today. I’ve got around $140k invested across different accounts- 401k, Roth IRA, professionally managed money market account, & personal trading account. “What will this grow to if I do nothing “. If you are planning to own a property for over 20+ years buy now with low interest and buy something with large # of units so you can cash flow. I also still live with my family and am the youngest so I don't have much responsibilities. You read about the power of compound gains all the time, but to go from $100k to $200k in three years when the first $100k took seven years is Leverage your $200k as 25% deposits on property (NB I’m UK based speech not sure about your house prices). We don’t have any debt other than our mortgage. Im deep into the databricks ecosystem but also have touched on snowflake. " Get app Get the Reddit app Log In Log in to Reddit. Expand user menu Open settings menu. I’m going off the assumption that the mutual fund will triple in 10 years and the Microsoft and Apple stock will 3x-10x over 10 years. If you told the guy at the bank your goals and time horizons and he then recommended GICs and Mutual funds, then that was irresponsible. (28M) I have a question whether it makes sense to buy a home that’s worth 620k. View community ranking In the Top 5% of largest communities on Reddit. At 41 I finally hit 200k in the TSP. FYI: Don't view this subreddit (or any niche subreddit for that matter) as a reflection of reality. r/FinancialPlanning A chip A close button. Or check it out in the app stores 30 - NW 200k - salary 120 k I salary sacrifice to put 25k into super, on top of that likely 25 k in savings (invested). If you're trying to get 200k from equity dividends, the amount invested is extremely variable and depends on what and when you're buying. On my IRA 45 years back, i put 2k a year for 8 years. I have about 20 securities I am invested in. My goal is $1 mil by 47 and eventually to hit $2. Invest the difference in set and forget arrangements, get your insurances and emergency funds sorted, and in 15 years you’ll be basking in wealth, wondering where you’re going to retire early. Reply reply I feel like I am not great with investing my money and need advice on what I should be doing with my current situation. In 10 years, that $200k would be just over $610k. To continue with the Apple example - I've invested in one that's a technology ETF. I felt like I had meaning full returns until the market tanked. URA does give 6% and does increase by a good amount per year but I don’t think it will continue this way for 10 Much to my immense surprise, I just inherited a very sizable chunk of money from a family member. Hey guys Recently inherited around 200k in cash. So my SO just inherited ~200k from a family member and it's causing her a lot of anxiety. What to do with $80k cash Coming into $200k from company equity. Hard mode. You read about the power of compound gains all the time, but to go from $100k to $200k in three years when the first $100k took seven years is a testiment to that fact. I feel I've made clones of Reddit and Facebook, among others. $40K cash. Then 200k is easily attainable. I have $200k to invest. I'm 43 Does your house make up the rest of the number? 38 and just hit $200k invested. EDIT: alright, Index Funds are the safest sort of investment as it seems but not even in an abomination of an Earth should he spend $200k for something that would make him money with a speed of a drunk tarantula. Wondering about this group, what’s the percentage of your net worth is invested versus in a HYSA / checking account? Wife and I have about 200k invested. - Accumulating (any income is automatically re-invested back into the fund by the fund). we invested money into all of em and they're all trash. OP has $100,000 now. Max out a Roth IRA account every year. If you have debt, paying it off is a smart way to put your cash to work. So the question is. 75% rate, renting out to family member not making any profit on rent) No other personal debt On a good month, we save around $4-5k With such a large sum of cash, how would you allocate funds given our current financial situation? I'd be keen! Channel is in reddit bio/same name as reddit handle. Since I did it with 60k annual I invested about 200k of it into the various ETFs that are generally suggested throughout the internet as I really knew nothing about investing. Just remember to go for index funds with low expense ratios (0. I have already invested about 13k into vfiax but have heard it is better to have vtsax for more exposure and even if it underperforms the rest will With 200k invested and 300k cash in money market account at 4. Rate My Portfolio 🙏 . Dividend Portfolio for Supplementing Income. Food businesses have razor thin margins as well. trying to work out the dividend income that has been re-invested by We put down 20%, and financing 200k at 4% over 15yrs at a payment of $1870. Now let's look at 14 years, which is slightly over the break even it would take for the $1200 / month to equal $200k (13. Coast FIRE is when you have enough saved and invested that with no additional contributions, your net worth will increase with compounding growth to support a traditional I alr have 200k but guess what another post has someone with 2. Buy, hold, pay low fees, and stay the course! Members Online. Since you don't seem particularly interested in investing, you can either stick it all in a target retirement date index fund or (my suggestion) put it in a Lazy Portfolio. All the debt and uncertainty could be avoided. The Dec 10, 2023 · Strategize your finances efficiently with our guide on how to invest 200k for optimal returns and minimal risks. That being said, it would have to be invested through a taxed brokerage account, so I know the tax implications would be more. You may need more years like 15-20 years to retire with only 200k now. I will be somewhat surprised if Reddit manages to be a good investment. 4 sibs & parents can't support us financially. it’s the company that matters!! everything else is a distraction!. Always depends on the specific decade you’re in the market. This means he is exposed to a lot of non-systematic risk. The easiest way to invest your money is by paying off debt. Married. I turn to reddit for some suggestions. I make about 800 a week after taxes. What were their core dividend choices, and what alternative strategies can investors use to diversify and protect against Dec 7, 2023 · Here are 9 great ways to invest $200k: 1. My sister left as a post KD 90A officer two years ago and took a job making 200k at Amazon HQ in Seattle so I wanna share what I see. 30 years ago before the financial crisis it was worth 200k. Welcome to FXGears. If their expansion business plan and your assessment of the variability of the parameters are within the ballpark, you can go to the next step. If everyone has privileged background etc no financial burden. I am a banker and I analyze people with investment properties on daily basis. I decided to dig deeper and saw that the S&P500 is up over 40% in the past 5 years, while VASGX is up only 3%. 1. I just recently discovered this. will all likely cost less than they do now while things like education, housing and health care will cost more. I’m average 14% for the past 6 years. I have both investment property and index funds. So if down payment would be 200k and monthly mortgage would be 5k but current rent is 2k then make sure you have 200k invested and then invest a further 3k/mo to measure the benifit of rent vs buy. Time to go hit YouTube and verify what I said! 2 situations. I am 36, married. Keep living a $200k lifestyle whilst earning $500k. Mid 20s, male. If you had invested in BND for example (which didn't exist back then but bear with me), sure, you would have lost less in those downturns. Hi as title suggest , How can I better use my new salary to set myself for long run. Relax. The rest pay off debt and travel, make some mistakes and learn what life’s about. Log In Eventually you can have so much money invested that you can make thousands or even someone’s salary just by held one property for 6 years and netted $600k in profit the other we held for 4 years and made a little better than $200k in profit. No debt , no house Max out RRSP , TFSA I used one of the calculator online to figure out taxes and I will You may need more years like 15-20 years to retire with only 200k now. Time to go hit YouTube and verify what I said! I could could conceivably pull out 200k in cash while still having 300k exposure. Mostly in VOO, VTI, QQQ, VXUS, and AGG with a very small mount directly into SCHA, KO and HD directly. Tax reduction , investment on 200k + salary . If he’s got $200k invested in VTI, a 3-6 month safety fund probably isn’t necessary. In the past three years, I have raised my monthly contributions, continued to invest, and am now just shy of $200k at the age of 35. Open menu Open navigation Go to Reddit Home. I have about $200k cash in a HYSA, Open menu Open navigation Go to Reddit Home. Stocks, bonds, REIT, and BDC. If you make 200k or make one good stock pick it doesn't take much to bank a million in a decade You have 30 years so max your 401k for those years is your best. It is not great when you already have 200K waiting to be deployed. /r/Altcoin is one of Reddit's original cryptocurrency subreddits, started 10+ years ago! Investing in broad-market low-cost indexes, diversified between equities and fixed income. Buy between 4-8 properties. It seems like there hasn’t been anywhere to find honest reviews of programs and I’m fascinated by what these programs are really like on the inside. Ano Advertisement Coins. My fiancé and I (25 and 23 respectively) make around $200k combined, pretty evenly split between us. ” He invested it wisely into slot machines As nice as that would be, its current market cap sits at $800B, so just $200K would mean a market cap of about $4T. Instead of achieving the big million in 3 years, who knows how long it’ll take me. 401k+IRA Maxed. Just crossed over 200k invested! I will never let anyone persuade me from what I believe in!. If you have 200k i prefer to not give you advice on which stocks/etf’s to buy and rather recommend you to do your own research, following someone’s advice blindly is terrible. 32M. Welcome on /r/stocks! Don't hesitate to tell us about a ticker we should know about, market news or financial education. . 09(don’t ask why about the percentage stupid miscommunication during a Refinance) I haven’t had it revalued in about 3 years my currrnt guesstimate as to it’s value is based of Personally, I can't imagine having a $900k mortgage, but even with paying off $200k, I can't imagine having a $700k mortgage either. I invested $5k in my friend's lawsuit. Let’s say you get 4 at $200k valuation each, all rented for $1,000 per month. I sold a commercial building just before covid. I have 200k invested in VTI and VXUS, with an 80/20 split, and about 20k in retirement accounts and emergency funds. Hello! I'm an 18 year old college student and I live on my own. additionally there will be taxes event associated with rebalancing, tracking Angel investing is typically the least profitable. To get from 100k to 200k, you will rely on a mix of earnings plus the interest from your invested 100k. What would you do in my position? Investment tips? Finances: -60K Student Loan Debt (Fedloans at 3-6 percent) -15K in Savings -6K Monthly Expenses -Maxing out Roth IRA with an online broker However, $200K can quickly turn into $160K over the short term. 6%) How much do you have invested in retirement? 200k in cash is a lot and ok to put down, but not if your retirement isn’t adequately funded. Reply SyntheticMemories To pay off 200k in 30 years you need to be paying well over 1k a month. the problem is leverage ratios are fundamentally unstable so if you go this route you need to know how properly rebalance the portfolio which may require some portion of that 200k to do. Make a portfolio. Right now, I will make a little over 200k this year which is up from about 150k last year. Almost 500k debt and aftaid that the bank may forcose our home under pag ibig. Cash flow is key metric. Doesn’t require a college degree and doesn’t take but a couple of thousand to get started. Hello Reddit! Long time lurker, rarely post. Both are terrible, and you are right to be scared. 95%, I am pulling in between 2800 and 3300 per month in dividends and interest. The tax write offs where always good, but my ROI on my RE did not outperform my index funds. Like it or not, its a strategy. I would personally stick to only Distributing funds in a General investment account - as it may not be clear how much income has been automatically re-invested by an Accumulating fund - which may be a pain for tax purposes (i. How? Investing in broad-market low-cost indexes, diversified between equities and fixed income. S. It would take more than 7 Think about how much more money you would have if 10 years ago instead of “saving” that start of that $200k you invested it in the S&P, since it has seen ~200% returns in that time frame. Also a 6 month emergency fund. You don’t have to work quite as hard because the invested 100k is doing part of the work for you. 2023, around February, I sold some of my car collection and dumped around 115k on the mortgage all at once and recasted the loan. While this is probably a good problem to have, we both grew up relatively poor (I don't think anyone in my family has even heard the words 200k before), so we both don't have much to stand on. 0 coins. 7 figure retirement fund which is still Something like JEPI/JEPQ seems safe enough, and would provide ~$1500 a month wihtout touching the principal. I am now back to 200k. Edit 2: I don’t do options. I am 29, have £200k in my SIPP and just began investing it into index funds, I've so far put the following: - £40k in to Fundsmith LLP Equity I INSTL Skip to main content Open menu Open navigation Go to Reddit Home I’d think the strategy would differ tremendously based on that. If your gross is 200K you are unlikely to be able to take advantage of tax deferred strategies to bring your taxable income down enough to fund a roth directly. 0 is and lots of folks are leaving for 200k jobs. additionally there will be taxes event associated with rebalancing, tracking If he made $50k per year and invested 10% in the s&p every year since 2016, with a 5% match, OP would have $90k. Then it’s rare to find a dividend stock giving more than 5% per year and increasing in value. 9% for 30yrs. ADMIN MOD 30 yo, over 200k net 220 votes, 678 comments. It's also not that common - I think there are something like 130k CFAs in total, compared to almost 200k new MBAs per year. Your aunt deserves better than investing advice from Reddit and a money manager who describes herself as “woefully ignorant. DCA is great for your fresh income that is coming in each month. You are VERY Jan 13, 2018 · Here is a chart that shows how long it would take to save each additional $100k (up to $2 million) based on different annual interest rates: If we stick with the example of Shannon investing $10k each year at a 7% interest Pay Off Debt. Let’s say I leave it in a Skip to main content. Minimum of $200k/yr income or something like that. $1M total invested in retirement & brokerage accounts between me & wife. I don't expect this salary to last or job to last that long so I want to use this opportunity wisely 40 , Single Male , Toronto based. Sure, I’d even suggest you prioritize IFs, but Imma tell you, no billionaire and 99% of millionaires put IFs over If you invested 200k in 2018 at the absolute peak before that crash, the absolute worst timing, and didn't dollar cost average, you would be up 35% today. It’s currently all in VASGX, an account my parents picked for me when they set it up almost a decade ago. 2 years ago I invested 200k in a Texas LLC. 5% rate) Value: 200k (110k left on mortgage, 3. Get the Reddit app Scan this QR code to download the app now. We're netting $250K from previous home sale. I was speaking with a relative with about $200k in mutual funds in a RIF with a big five bank. I suggest watching the Seattle Data Guy on youtube. I looked at my statements more often than i should have. 7x 15,000 = 105,000. Log In / Sign Up; Advertise on Reddit; Shop On top of my 200k savings (for investment), I can set aside 20-30k per month (total income minus expenses) and have no debts. 200k in principal plus around 200k in interest, Reddit has been on a constant downwards slope in quality, but an upwards slope in users. Reply more replies Have you invested in the markets before, Fidelitys s&p index fund is labeled FXAIX. Because those challenges don't seem to be retroactive. Wife does 30% of 401k limit. After 2 and a half years, I've finally made my first 200k from my work + side hustles. stock market. I also invested a huge chunk just before the 2008 market at 23 and didn't adopt a long term buy and hold strategy. I didn’t make 200k when I owned a pest control business, but I easily could have. I wish I would have in invested in VFV earlier. Then negotiate a % of the profits as your returns to be able to make your investment back in 3-4 years For whatever reason this response has eased a tremendous amount of my anxiety about having enough, I’m almost 31 and will have 200k invested when my 401 contribution settles next Wednesday. Obviously the variance is high but going off historic performance. I am 26 years old and have been fortunate enough of been given some great opportunities. They can't even pay for their servers, let alone their employees. Hundreds of jokes posted each day, and some of them aren't even reposts! Members Online. Lawyer in a good field. Then in 2022, our balance on the house was around 150k. My condo is paid off and worth $280,000. 5% or lower). You’ll make that minimum year over year invested into FXAIX. If you don't mind losing part of your principal, then go for the stockmarket. Currently making 200K per year and need sound financial advice. So if you get your 200k score on a GM and get Guardian rank 9, you'll need to do another GM to count toward rank 10, with an arbitrary "high score. Put 200k - 40% , 40%, 20% in a ETF brokerage account. I’ve only traded stocks so far and mostly only one stock. I have started investing with Schwab intelligent portfolio and invested $5k there besides that I also invested $5k in wealthfront. Usually, users are the main thing that makes the valuation of the company, but Reddit has failed monetization pretty hard. I did take out $40k from my 401k during the pandemic to buy a house, so I would have much more now, but in exchange now I have about $200k in equity in my home. And can take years to recover. I think the real question is if you think you own equity in the business and want profits or do you want the loan repaid back? $200k I think is fair but that would be buying you out. If you want to be more aggressive, then investing the 200k in equities or other instruments is likely to give a better return than the mortgage interest rate, so you'll potentially net out ahead over a 5-10 Cash: 200k Homes: Value: 800k (550k left on mortgage, 5. This will get you invested in the stock market with lower risk through diversified assets. I feel like I am not great with investing my money and need advice on what I should be doing with my current situation. had to take charge. Not financial advice Just my personal opinion! Assuming you are going to hold the $20K until you retire -- (If you plan on using it to buy a house or plan a wedding in the near future, my advice would be different). 200k+ nest egg investment advice . And you're right, it would've been smarter to be invested with some chunk of money at a young age in an index fund rather than, probably, going 200k in debt at some prestigious college. Lahat ng investment may risk, yung mako-control lang natin is ung emotion natin, what kind of risk yung kaya nating ihandle. How would you get from 200k to 1 million if you were to lump sum 200k? Lmk Get app Get the Reddit app Log In Log in to Reddit. She’s got $450,000 invested in the stock market, and $450,000 sitting in the bank, getting a measly 0. In 10 years you may be able to get that to 500k if invested well. Get app Get the Reddit app Log In Log in to Reddit. Just started up again after 7 years, rebranded and doing narration type content. It's just the nature of the beast. How can I Look at the S&P 500 over the last 20 years - if you invested $10k in 2002, you would have experienced 2008, 2020, 2022, and every little down year in between. You can read here about the argument for investing a lump sum in one go versus dripfeeding it Jan 9, 2025 · Before that $200,000 burns a hole in your bank account, let's work on investing it. You'll want the whole $200K Enchilada when it comes time to pull the trigger on a RE deal. Pest business can easily bring a full time worker 1500 per day in profit. I currently make 160k a year and have 200k invested in 401k, stocks, a bit of cash and crypto. No other debt besides new mortgage of $315K (15-year fixed 5. Transformative change for many. It may sound Nov 18, 2024 · While there is no single best way to invest 200k, there are some general guidelines you can follow to set yourself up for success. I've invested heavily in learning some specific tools since theyre the buzzwords for HR people. Let’s say I leave it in a That 200k is inflation adjusted, I meant 200k in 2015 dollars. And you need the law of large numbers to work for you as win rates are really low. Say what you want about the relative difficulty of getting it relative to actuarial designations, but my impression is that it's valued much more broadly than FSA/FCAS. Wife and I have about 200k invested. They're getting A typical cheap eats kind of cafeteria would benefit from the investment around 100k to 200k. I’ve heard from other bogleheads that this number appears to be a pivotal number and that your balances seem to print money after that. Log In / Sign Up; Advertise on Reddit; Shop Collectible Avatars; Hello I’m 22 and make roughly 20k. Databricks remote work easily goes 200k above I wish I invested in ETFs a lot earlier than I did. 5mil invested before you can even think of retiring. If he made $50k per year and invested 10% in the s&p every year since 2016, with a 5% match, OP would have $90k. That’s $96k income, pay back the Assuming you are going to hold the $20K until you retire -- (If you plan on using it to buy a house or plan a wedding in the near future, my advice would be different). I live in midwest and monthly spending with rent etc is around $4k. 49 votes, 72 comments. Get the Reddit app Scan this QR code to download the app now Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I did a cash out refinance for 50k and borrowed again 200k but now at 2. However, $200K can quickly turn into $160K over the short term. 89 years). 15% of OP's salary is $15,000. Sorry for your loss (I suspect some people will be surprised at the "unfortunately I inherited 200k" comment, but we don't always remember that such a windfall is often tinged with grief). No more than 20k in any one security. Can $10-$ (as in you are making 200K / year on divedends) and even then it carrys risk. Buy, hold, pay low fees, and stay the course! Members Online • Reddit's home for tax geeks and taxpayers! News, discussion Discuss and ask questions about personal finances, budgeting, income, retirement plans, insurance, investing, and frugality. They do draw $200 or $300 a month only out of it, but with a reasonably safe strategy this should still have grown IMO. I highly doubt the average TCG player is dropping a casual $1500 per set. Let me show you. Let's also not forget that we are at all time low interest rates now and just because the rate on your mortgage is fixed, doesn't mean you are insulated from interest rates. I would argue that for most people expensive colleges are a big waste of money. Protecting the downside is far more important if $200k represents 90% of your net worth, vs trying to maximize returns, making the DCA approach more appealing. I'm highly In the past three years, I have raised my monthly contributions, continued to invest, and am now just shy of $200k at the age of 35. Should easily hit multimillionaire status by 65 View community ranking In the Top 1% of largest communities on Reddit. 8% yield. So I was browsing through a few threads and one that was talking about how jacked up AIM 2. (only invested a couple grand that I didn’t care about losing) - while one guy I knew got lucky with his timing and made 2 million - and 3 other mates got inspired by his story and lost thousands you can have 2-3 properties paying you $30k each I feel like I am not great with investing my money and need advice on what I should be doing with my current situation. I wouldn't do more than $10-15k initially though. As nice as that would be, its current market cap sits at $800B, so just $200K would mean a market cap of about $4T. Moving areas and sold our home - we are building at a new location. Just by doing that you have a better grasp on building actual systems than most recent I am receiving 200k soon and am contemplating putting it all into SCHD to increase my cash flow by not reinvesting the dividends. I am in the process of researching alternatives for her. But if $200k is only 10% of one’s net worth, put it all in immediately (VTI, VXUS, and QQQ + QYLD) I was speaking with a relative with about $200k in mutual funds in a RIF with a big five bank. He is invested heavily in only three industries. sure IF a 10% crash happens in the first month after you invested it would have been better to buy after it, but your capital can also grow more than 10% in some years and you will largely If you had invested $100K in a 3x S&P 500 ETF anytime in the last say 50 years, you would have come out ahead than investing in real estate (based on national trends and average cap rates). 250k usd is not enough to earn 150-200k php a month if the standard of living of your retirement years is to be at least close to what you have in the us. My yearly expenses is $60,000. I agree, unfortunately people our age are to caught up in looking rich than actually trying to be wealthy. No you do not need a FA with $200k. Now say instead you got in at 400 a share and invested 200k in 500 shares. our biggest song has 200K plays - and over 180k of those are from when it randomly got added to a large number of users' Spotify Discover Weekly playlist, every week for a month straight. It’s going to take A LOT to move it even by a few there is little to no safety advantage in DCAing because if your portfolio tanks it will tank regardless if you bought all at once 10 years ago or bought it with 120 transactions in that time frame. I inherited a little over 200k, but if I were to sell my inherited possessions (I wasn't on good terms with the person, so I'm not keeping anything of theirs) I TLDR: 200k to invest. I’d love to hear the best and worst programs you invested in for coaching skills or online business. Hello, I am a bit new to the coast fire concept. Coast FIRE is when you have enough saved and invested that with no additional contributions, your net worth will increase with compounding growth to support a traditional retirement. By that time, hindi ka na matatakot (or less fear nalang siguro) na magrisk sa business or investment, kasi meron ka nang safety net (or yung 200k). 25 year old female making 66k Pretax. Looking to invest 200k+ more for the next few years in a long term portfolio, View community ranking In the Top 1% of largest communities on Reddit. Log In / Sign Up; Advertise on Reddit; but otherwise you should definitely get the bulk of that money invested. Financial advisors can provide expert The income limits for roth are published. com's Reddit Forex Trading Community! Here you can converse about trading ideas, strategies, trading psychology, and nearly everything I have 200k cash, already have a house and decent money in stocks. r/ThriftSavingsPlan A chip A close button. Currently at $137K invested and just under $200K net worth. I was fired for cause and given At today's value that 50k would be worth 360k roughly. Fidelitys s&p index fund is labeled FXAIX. Become a smart investor today! May 18, 2020 · Putting this much money into financial markets while they are so volatile is challenging in itself. " This is a place for people who have reached or are interested in reaching the milestone of Coast Financial Independence / Retire Early (aka Coast FIRE). Timing - Historically, people who have a windfall have done better getting it all invested when received rather than parceling it out (Dollar Cost Averaging). Lending your friend $100k loan for 8 years would be 20% if you want $200k which is alittle high for a business loan. I've decided that I would like to switch all my investments from VEVE to VHVE. Only have 1 video from last week atm so I may not have enough to really critique yet. Fast forward to COVID. Good luck and congrats on the winning. Your 200k is roughly 360k, great return but hardly transformative. She had planned for about 5k, and wellgot a bit more. It's much less risky than investing in one stock like Apple, for example. Currently Renting . 200K Net Worth at 28 - My Journey Given the demographics of Reddit in general, But we saved, invested in the stock market (index funds plus some winning stocks) and after 30 years we are doing well. I have 200k+ invested in VEVE, but I do not want to deal with dividends due to taxes. Entertainment, food, clothing, etc. I make around $100-120k a year in sales. I invested 1 million MT into 1000 Ruby Felipe that’s all great, but all we care about is how much cash money you made slightly shady Felipe Lopez shill from reddit” Alright, let’s talk cash money, moolah, MT With 1 milion i can make 200k-300k MT per week easly selling cards like Diamond Edwards, PD Allan Houston or Marc Whats up man. The funniest sub on Reddit. 3%. I'm planning to split it this way: 100k - Invest in PagIBIG MP2 I value a stable and controlled investment so I'm planning to put my 100k in Pagibig MP2. However, unless you are planning on taking >200K income in retirement or think tax rates will rise there is no real advantage to Roth for you. 13 votes, 20 comments. Check Just reached my investing goal of 40k invested by 19! r/dividends A chip A close button. 33yo married w/ 1 child. I understand options but I’m afraid of losing 100% of my investments when the options expire whilst with the stocks I buy I can just wait it out because I know eventually it will come back up. Valheim Genshin Impact Minecraft Pokimane Halo Infinite Call of Duty: Warzone Path of Exile Hollow Knight: Silksong Escape from Tarkov Watch Dogs: Legion. Then you try to figure out where your reddit would break if it got the same amount of traffic as the real reddit does (trust me, it is so many places, scaling is the hardest problem i face day to day). I know many people are in your position though, but without the $200k available to do something with. Panicked and cashed out at a loss. Investing can be difficult to get right and you’ll get some really bad advice from people who want the commission. Then ipon ka ule ng another 200k or any amount. When you divide out my monthly/annual bills to weekly amounts I’m paying about 600 a week I owe about 200k split 135 and 65 between a 5. I wouldn’t count on $200K-$1M. My only debt is my home. You will make on average 10% returns year over year. I used to work at this company, realized too late that I shouldn't have. OP, the standard deviation of even the most conservatives portfolios on the stock market is -10%. I put 10% in my 401k through work. We have 1 year living expenses saved, down payment money for new house, cars are paid off. Reading “2M @ 25, will I be able to survive when I’m 65?” posts is disheartening, but staying the course is really what will make you successful long term, not getting lucky on If the entire $200k is going to be needed for a down payment to the house, then that leaves $0 to invest. I'm drowning in debt. $200K annual household income. Sports. Then planning to At 41 I finally hit 200k in the TSP. URA does give 6% and does increase by a good amount per year but I don’t think it will continue this way for 10 If you've ever been interested in investing in individual companies, you can set aside some of the cash to stock-pick. He invested for 7 years. Even an ETF like VDY could be yielding close to $800/month pretty safely on $200k invested. 8% loan and a 6. In this article, I’ll Oct 18, 2024 · One Redditor who shared their journey to a $2 million portfolio claims the secret is simple: dividends. e. Don't invest money into those playlist 200k in debt with a degree is better than 160k in debt without one. NFL NBA Megan Anderson Atlanta Hawks Los Angeles Lakers Boston I am a 23 y/o self employed with about $60k in savings and making $200k per year. You read about the power of compound gains all the time, but to go from $100k to $200k in three years when the first $100k took seven years is 200k isn’t going to buy anything property wise. Looking for the smart move though - any View community ranking In the Top 5% of largest communities on Reddit. You don’t have enough invested to earn meaningful interest at this stage. 2m, claims to be self made. There are a good few that have averged 30% growth each year for many years in a row. I have begun making a bit more money and have decided to really kickstart my finances. I am 27yr old, with $200k invested in S&P500 index fund. 5 mil before I retire. Hey everyone, I’m fortunate enough to be 24 with ~200k invested in my brokerage account. 2019 was pretty good to me. Only really started 3 years ago, so I’m pumped to accelerate the journey! Only really started 3 years ago, so I’m pumped to accelerate the journey! I could could conceivably pull out 200k in cash while still having 300k exposure. You need to do whatever you can right now to reduce the amount you need for your last year and be prepared to continue to live extremely frugally and work multiple jobs after you graduate to get out from under this. 10% on 200k is $20k. Bitcoin has had diminishing multipliers over the years because when markets become more mature, they become less I'm 24 years old, working as a professional and also the breadwinner for the family. I fortunately didn’t come from preexisting wealth which makes the process all that much better. 1 million dollars is just 60 million pesos and if you are aware of real estate prices in mmanila youd know what iam getting at. I already have 175k invested in TDFs. Shooting the moon and NVDA hits 4k(some think it'll happen) a share that equals 2 million. Getting from 200k to 300k will be easier still, for this same reason. 😢 I don't know how to start paying all those. basically a more expensive, shittier version of submithub. All in all I almost have 200k invested at this point. Members Online Odd-Engineering-2810 Now let's assume you took the $200k and since you mentioned QYLD, invested it (and the dividends for compound interest) at a 11. I bought an apartment off plan for 450k and sold it 5 years later for 550k after fees and other add on “taxes” I might have broke even-pointless. OP's point, I think, which is kind of buried, is that he lost time by not investing in VOO to begin with. They're getting soaked on fees I would guess. It’s exciting to see the numbers slowly climb and forget about the really high numbers on here sometimes. For example, buying a small cap with solid growth potential and high cash flow could lead to dividend returns of 50-100% of your original investment, at the end of a multi-year horizon. Coast FIRE is all about using your savings to unlock freedom before hitting regular FIRE. axj gpsl fdsmnx vhoi lbjuej ispg aiktb lpwybrw nhh weed