u/InvestigatorThat5062

I had an IRA overseen by an advisor. Recently decided to take it into my own hands but due to the platform it was with can’t do ACAT transfers.

They sent me a check and my advisor said to “endorse it to my current brokerage to make it easiest to track”. But my brokerage doesn’t have an option with indirect rollovers to deposit by check.

Is cashing the check into my bank account an option and just putting that exact same amount into my brokerage acceptable?

I started my 401k back in October when I started my full time job. At the time my advisor who has been managing my inheritance from my deceased mom told me to put 35% into FXAIX,
17.5% FSMDX, 17.5% FSSNX, 20% FSPSX and 10% bonds.

I’m 24, I’m thinking of taking bonds out now that I’ve looked into ETFs and what’s appropriate / when. Thinking maybe 60% FXAIX, 10% FSSNX/FSMDX, 20% FSPSX.

Just to get total coverage of S&P500, Small and mid cap, and international. I also don’t know if I should just keep what’s there or completely revamp my 401k (I have an option when changing investments to change all future investments or change current balance only)

Edit: it’s worth mentioning its a 401k through principal and I have limited options for investing. VTI / VT aren’t things I can choose.

Any help is appreciated.

Is there a tier list somewhere that’s accurate on which holy relics to get first? The 7th anni gave me tokens to get 1 of each for free and I wanna maximize it.

Should I only save gear for these categories and salvage the rest? And ATK/Crit for most attack based units (Nemesis Meli) and HP/Def for support units?

Through the event I’ve gotten so many of the 5* gear chests for HP/DEF and. I feel like most gear builds I see online include that or ATK/Crit

Unsure of who to get with my LR coins… I’d send my box but last time I tried I got suspended so unsure if I can

I was looking at Gomah (would be Dupe #1), STR Cell Max (don’t have yet), PHY Janemba (don’t have) or AGL Golden Frieza (also don’t have yet)

I’m in a situation right now where I was recently told about a Roth IRA my dad had been building. Apparently adding $100/month for the last few years. Currently 24, and actually started my own IRA on Robinhood (with the gold 3% match bc I have the gold card) not knowing I had this other one in my name.

The other one is managed by an advisor, has all its investments sorted out. Idk how good these investments all are. I was considering rolling my managed IRA over to RH. I’m in a place I can contribute 300/month. That’d be $108 extra per year I’m investing with the IRA gold match. But then again… it’s Robinhood. It’s a Fintech. Everyone has their own thoughts on it.

I know its my money and my choice. But it’s hard for me to weigh the pros and cons of rolling it over so I have full control of my IRA. And definitely think it’s unreasonable to have 2 open IRA accounts.

My 401k was automatically enrolled with principal. When I set it up I did some research and came up with this:

My Large Equity is FXAIX (35%)
Mid / Small is FSMDX, FSSNX (35%)
International FSPSX (20%)
Bonds FXNAX (10%)

I contribute 5% of my paycheck, employer matches 4%. It covers the S&P500, Mid and Small growth too. International and then the bonds just for consistent growth even though it’s very small. Overall feeling good but unsure about the Bonds. This setup is what my advisor told me to would be best. Thoughts?

My normal brokerage I have about 1.2k in and I’m doing VTI/VXUS as the combo, just for background.

My Roth I just started and I opened it with VOO/VXUS. It’s a 90/10 split. I’m thinking of dropping VOO a little more to add something that’ll be aggressive growth (SMH?) but that has a lot of overlap with VOO. Any other good growth options?

Other recommendations are also welcome

I got the C1 Savor card (2nd card ever) in February. A few months later I was preapproved for gold card so I took that opportunity and got it.

I’m not necessarily considering doing this, just asking the general knowledgeable group… should I close Savor card? RH Gold gets me 3% everywhere. The main things I got the savor card for were Groceries and dining and having that 3% all the time with it.

Things I’m still hesitant on/wondering, mainly #2:

1. RH Gold COULD change its point redeeming system (I hope they don’t but you never know) to not be getting 3% anymore.
2. would keeping Savor open but not using it affect my credit score at all? I know if I closed it, it’d stay on my profile for 10 years
3. keeping savor could help maintain a relationship with C1, for if I wanted to get a traveling card (that would be my next step).

TLDR: would it make sense to add less to my savings (given I have 5 months emergency fund) and invest more?

I have looked at the PF flowchart so I know where I want to go with my finances but unsure of its a smart choice. My current situation:

I’m 24 years old, I work a full time job with benefits but it’s hourly not salary, so hard to predict what my income every month is. I just base it off of 35/week bc that’s what we need to qualify for full time benefits Anyways.

I’m currently getting my full employer match (5% of my paycheck, they match 4%). I have about 11k saved in a HYSA which is about 5 months of monthly expenses between my girlfriend and I.

For investing I have a Roth that has about 4k in it, that’s owned by a financial advisor (yes, already brought up to them getting out of this relationship due to having Robinhood Gold Card and trying to move to them for the 3% match). I contribute $100/month to it. I also have a brokerage that I contribute $50/ biweekly to. Sitting at about $1200 right now.

My paycheck I currently put 20% of my work income and 50% of my side income in to my HYSA. I’m thinking of dropping those a little bit to maybe 10% from work, 30% from side income to be putting more into my IRA. But I’m also skeptical about having my IRA be with Robinhood due to being a Fintech and not a established bank.

Blessed enough to have gone through college with no debt and I’m smart with credit cards so nothing there either.

Seems like a great day to BUY BUY BUY

Hi! As the title says I’m looking to get a tattoo and would like recommendations on artists you have had good experiences with!!

I have the design and location already planned for the tattoo. I’m a guy and plan to get it on my chest, if that means anything (idk if some tattoo artists would have preferences on not doing locations).

It isn’t like a “I want this right now” so if I need to wait and save up money I’m fine with it. The style I’m looking for is more on the realistic side for nature-y tattoos!

All input is good input. Thank you!

I moved all of my assets from SoFi over to Robinhood (recently got the Gold Card so I wanted to be using my cashback to invest).

I initiated an asset transfer, got confirmation emails from both SoFi and Robinhood that things had been sent / arrived at the respective places… yet SoFi still shows my investment total as if nothing g ever changed while Robinhood has gotten a good chunk of what I assume are my SoFi assets? But not everything bc the numbers aren’t adding up. I did this on Thursday, so obviously with extended holiday things may take time to update….

But basically Robinhood is missing about $200-$300 in assets even though it said it was received. SoFi hasn’t updated to show the assets gone. So I’m just curious if others have done asset transfers and had similar experiences? Does it just not all transfer at once?

I am pre approved for the Robinhood GC, I have an email ready to sign up for it.

3% everywhere is great… $50 annual fee that isn’t actually an annual fee. I don’t use Robinhood currently for investing but that can change.

I have Savor One for 3% on Groceries and Dining, and Discover for rotating categories. My next card I want is a gas card whether it’s points or CB. The Venmo card seems good due to I have the 3x CB for 6 months (9% cash back on your highest category and then drops to 3% after that… could jsut use it as a gas card). Or Robinhood gold for 3% everywhere with the membership.

I have also heard of the AAA Advantage card, Citi Custom Cash as options. I’m not super sure what to do! All experiences with any of these cards or banks would be great!

746 credit score with almost 3 years of credit history!

Hi, I’m 24 and kinda just getting into the whole finance atmosphere. I have 2 credit cards I use for every day life. I have my money in a HYSA. I have a Roth IRA, and I have an independent brokerage.

I have seen some people say they use ONlY a HYSA for everything. Rent, credit card payments, everything and anything.

To me it makes sense to keep money you’re gonna spend in a checking acc, and maybe everything else in a HYSA. Bc ultimately then you’re getting more interest yeah.

I just want to know people’s thoughts on this. Idk, open discussion sort of forum.