https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Fri, 24 Apr 2026 17:11:18 +0000 https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-2681334 Tue, 17 Jan 2017 11:55:24 +0000 Anagram 2681334@https://boards.hellobee.com/ <p>My husband invests 10% of our income, after fully funding his 401k each year. We don't contribute to any new IRA--we have a few older ones. He has accounts with Vanguard and Fidelity. Because of his job, he's only allowed to do mutual funds--no day trading or anything like that.</p> <p>Separately from that money, we have a 6 month emergency fun in a money market account, in case an emergency happens like job loss.</p> <p>I am not involved in any of this-- my husband was doing it all before we married, so he continues to do it all now. I wrote a thread about 6 months back about how I wanted to be more involved, but life has gotten in the way and I still haven't done anything. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-2681305 Tue, 17 Jan 2017 11:10:03 +0000 Adira 2681305@https://boards.hellobee.com/ <p>We have investments through Charles Schwab. I actually just finally set it up to make recurring investments. I went through Schwab based on advise from friends and mentors at work. Then it was a matter of researching funds I wanted to invest in. Schwab has some good advice on how to diversify, and after the initial setup, it's been really easy. Plus once you have invested a certain amount, you can use their financial advisers for free. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-2681292 Tue, 17 Jan 2017 10:50:18 +0000 Mamaof2 2681292@https://boards.hellobee.com/ <p>Me and both kids have what our FP calls a glorified savings account - its a fund thru Franklin Templeton - we can get money out in an emergency in 2 business days.<br /> Obviously rates vary year to year but last year it got us a 20% return! </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-2681272 Tue, 17 Jan 2017 10:29:24 +0000 snowjewelz 2681272@https://boards.hellobee.com/ <p>So I ended up putting all our savings (besides emergency fund) into a managed fund... My IRA currently is with ML and one time when the guy was reviewing my portfolio we got to talking about this and afterwards I felt comfortable enough to do it... I had just made sure a certain amount was always liquid that I could take out in some crazy emergency. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-2681269 Tue, 17 Jan 2017 10:25:24 +0000 T.H.O.U. 2681269@https://boards.hellobee.com/ <p>Bump! Anyone else looking at all this in the new year? </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499219 Mon, 17 Mar 2014 16:10:12 +0000 snowjewelz 1499219@https://boards.hellobee.com/ <p>@IRunForFun: I just got a referral from a friend and the guy said that consultation is free. I'd def go for a consultation to see if this is the best way to proceed. If they are nice, I think they would tell you whether or not it's worth it for you to pursue too... I will def update you on what we end up doing! This is all in my head for now, I still need to discuss w/ DH. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499208 Mon, 17 Mar 2014 16:04:35 +0000 IRunForFun 1499208@https://boards.hellobee.com/ <p>DH and I are just starting to look into this and we're finding it daunting. The financial adviser at our credit union actually was fairly helpful, but still, SO MANY CHOICES. I am not sure if we'd go the route of hiring a financial planner, though, because it seems like the amount we make/would invest isn't high enough to warrant paying for that. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499182 Mon, 17 Mar 2014 15:55:31 +0000 snowjewelz 1499182@https://boards.hellobee.com/ <p>@MamaMoose: Thanks! Means a lot coming from someone from that profession :happy: </p> <p>@yoursilverlining: Nice! That's def something I would want; minimum work and stress! </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499171 Mon, 17 Mar 2014 15:53:37 +0000 yoursilverlining 1499171@https://boards.hellobee.com/ <p>All savings are in a Vanguard managed fund. It earns about 11% return annually, the fees are low and I don't do anything (they make the decisions for me on stocks/mutual funds/whatever things) </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499168 Mon, 17 Mar 2014 15:51:32 +0000 MamaMoose 1499168@https://boards.hellobee.com/ <p>@snowjewelz: I would find someone (preferably a CFP) who can do a financial plan for you. They'll be able to look as your assets, your income, your financial goals, and your risk tollerance to come up with a saving/investing plan and an ideal allocation. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499144 Mon, 17 Mar 2014 15:43:23 +0000 snowjewelz 1499144@https://boards.hellobee.com/ <p>@Freckles: I def need real help; I studied about this stuff so much at some point and was close to signing up but then I just wasn't confident enough &amp; was too afraid of the risks. I'm so conservative I need someone to kick me into action haha</p> <p>@MamaMoose: I don't have any; except for the guy that does my IRA account, which I will be retiring from when I move that money to my new company's 401k later on. I really just want someone to tell me how much I should invest out of my savings, in what, and manage it for me! </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499138 Mon, 17 Mar 2014 15:41:43 +0000 plantains 1499138@https://boards.hellobee.com/ <p>I use Vanguard. My DH uses betterment.com. </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499124 Mon, 17 Mar 2014 15:36:48 +0000 MamaMoose 1499124@https://boards.hellobee.com/ <p>@snowjewelz: I'm a financial advisor if you want to wall me I can help with you some ideas of how to get started with someone who can do a better job of advising you than your current guy seems to do! </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499123 Mon, 17 Mar 2014 15:36:31 +0000 Freckles 1499123@https://boards.hellobee.com/ <p>My younger, responsibility-free sister invests purely in stocks. She goes through a brokerage and his commission is a % off of her earnings. </p> <p>If you're a bit wary of the bank's financial advisors, i would look into a fee based advisor. I asked my bank's financial advisor straight up if she gets any sort of compensation by recommending a fund and was comfortable with her answer.</p> <p>DH and I do self-directed investing, but it does require some extra homework on your part! </p> https://boards.hellobee.com/topic/are-you-investing-besides-401kira#post-1499109 Mon, 17 Mar 2014 15:32:44 +0000 snowjewelz 1499109@https://boards.hellobee.com/ <p>Something that I regret not doing when I was younger was investing my "nest egg". I'm super conservative and pretty just sat on a sum of $ year after year. It used to be better; I earned good interest with a high yield savings accounts but now interest rates are next to nothing. </p> <p>I try and try to get into stocks and investments but I just don't have the brain cells for it :sad: I have a financial adviser w/ my IRA but he doesn't really help me w/ my other $. I was interested in contacting the financial adviser at my bank, but I read that they just try to sell products or specific funds to you. </p> <p>If any bees invest their money aside from retirement, how did you get started? Who did you get advice from, if anyone? </p>