Had like 100+ cases saved up over time and just treated them like free money. Sold some, then ended up opening the rest instead of just selling everything and buying something I actually wanted.
Opening cases never works out for me lol. Ended up burning it all down to $0 Steam balance. Lesson learned chasing a gold item.
31, started investing about 1.5 years ago and looking for some portfolio advice.
Current accounts:
401(k): $8k
Roth IRA: $16k
HSA: $1.2k
Annual contributions:
Roth IRA: $7,000 (maxing)
401(k): ~$3,600/year
HSA: 1200/year
Salary is ~$50k/year, living on the West Coast in a very high cost-of-living area, so I’m investing what I can.
Cash:
$58k in a HYSA at 3.5% APY
Plan:
I’m thinking of moving $20k–$30k from the HYSA into a Fidelity brokerage account.
Current invested portfolio (~$24k):
80% FXIAX
20% SCHD
I’m considering swapping the SCHD into SCHG since I’m still young and leaning more toward growth.
For the new taxable brokerage money, what would you do?
Keep it simple and just buy more FXIAX/SCHG?
Add diversification (international, small cap, bonds)? I know I need to add some international at some point even though I believe the US will stay ahead.
Consider something like CHPY or another income/dividend play?
Or something else entirely?
My goal is long-term wealth building,not income right now.
Would appreciate any insight, criticism, or ideas. Thanks.
My mystery box order a few months back shipping was 12$ for FedEx ground economy, this last drop my t shirts shipping was 18$ for the same FedEx ground economy… 🤔