If you are done with the first 3, I would highly recommend this as you are instantaneously getting a 15% return! Make sure to rebalance your portfolio down the line. One classic mistake is having too much exposure to the company you are working for. Remember, your income is already dependent on them. So if the company falls into a tough time, both your portfolio as well as your job would be in risk.
Love your stuff Graham! I'll admit for my age (33) I'm way behind in investing for retirement, but better late than never. I'm finally able to open a ROTH IRA and am looking to max it out yearly. I've seen in other videos you've talked about the "Three-Fund Strategy." For $6k/yr, what spread would you suggest across a Total Stock Index Fund (looking at FZROX), International (looking at FSPSK), and US Bonds? I'm leaning towards of 55%/35%/10% respectfully. Is this fair, or would you suggest something else?
Awesome Job Graham! Not sure if you're familiar with Canadian investment platforms and vehicles but would a TFSA be the equivalent to a ROTH IRA?
Also, what would you suggest if the company you work for doesn't do matched contributions?
What if you work for a fortune 200 company that offers an ESPP of 15%?
If you are done with the first 3, I would highly recommend this as you are instantaneously getting a 15% return! Make sure to rebalance your portfolio down the line. One classic mistake is having too much exposure to the company you are working for. Remember, your income is already dependent on them. So if the company falls into a tough time, both your portfolio as well as your job would be in risk.
Love your stuff Graham! I'll admit for my age (33) I'm way behind in investing for retirement, but better late than never. I'm finally able to open a ROTH IRA and am looking to max it out yearly. I've seen in other videos you've talked about the "Three-Fund Strategy." For $6k/yr, what spread would you suggest across a Total Stock Index Fund (looking at FZROX), International (looking at FSPSK), and US Bonds? I'm leaning towards of 55%/35%/10% respectfully. Is this fair, or would you suggest something else?