daguma118

joined 5 months ago
[–] daguma118@lemmy.zip 1 points 2 months ago

This reminds me of the sesame seed investment in Silicon Valley tv. Just having the craziest investment ideas lol. I’m Not that “brave”

[–] daguma118@lemmy.zip 1 points 2 months ago (2 children)

My thought process is that it’s a big chunk of money and it’s in 1 company. Kinda having a big amount of eggs in 1 basket, so while i am for sure up 10% (gets a %10 discount on it) i sell.

Let me know if this make sense.

[–] daguma118@lemmy.zip 1 points 2 months ago

Very interesting observation. My thought is that when I retire I should be on a lower tax bracket since I have no income to report (assuming I won’t be working). So I understand your point of leaving some taxes behind.

[–] daguma118@lemmy.zip 1 points 2 months ago (1 children)

Thank you! I have 30 years til retirement and current 22% bracket at the moment! Also thank you for the advise on the posting. I just added it there

 

Hi,

I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.

For context:

Both Roth IRAs are already maxed separately (not included below).

I’m aiming for long-term growth, tax efficiency, and some liquidity.

Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)

Here is the percentage-only breakdown of my current plan: (50k to play with with 30 years of investment left at a current 22% bracket)

Account Type % Distribution

Employee 401(k) – Traditional 17%

Employee 401(k) – Roth 5%

Employee 403(b) – Traditional 17%

Employee 403(b) – Roth 5%

Employee Stock Purchase Plan

(10% discount sell immediately

add to next year ROTH IRA) 33%

High-Yield Savings Account. 5%

Taxable Brokerage Account 17%

Total: 100%

My main questions:

Should I shift more toward brokerage or retirement accounts?

Would you rebalance Traditional vs Roth differently?

Other that I am missing?

Any feedback is welcome! 🙏🏻

[–] daguma118@lemmy.zip 1 points 2 months ago

Interesting point in the picture but Ty for looking into it!

[–] daguma118@lemmy.zip 1 points 2 months ago

It’s 50k for the entire distribution, you are correct: the money I am placing here is for retirement, not to be taking out unless from my HYSA.

-14
submitted 2 months ago* (last edited 2 months ago) by daguma118@lemmy.zip to c/nostupidquestions@lemmy.world
 

Hi,

I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.

For context:

Both Roth IRAs are already maxed separately (not included below).

I’m aiming for long-term growth, tax efficiency, and some liquidity.

Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)

Here is the percentage-only breakdown of my current plan: (50k to play with)

Account Type % Distribution

Employee 401(k) – Traditional 17%

Employee 401(k) – Roth 5%

Employee 403(b) – Traditional 17%

Employee 403(b) – Roth 5%

Employee Stock Purchase Plan

(10% discount sell immediately

add to next year ROTH IRA) 33%

High-Yield Savings Account. 5%

Taxable Brokerage Account 17%

Total: 100%

My main questions:

Should I shift more toward brokerage or retirement accounts?

Would you rebalance Traditional vs Roth differently?

Other that I am missing?

Any feedback is welcome! 🙏🏻

[–] daguma118@lemmy.zip 24 points 2 months ago (9 children)

Can we please begin to vote for a third party? Mexico did it…. Why not us?

 

Who would have thought that playing nice with other countries would be beneficial.

 

If this happens I hope this is the straw that broke the camel’s back

[–] daguma118@lemmy.zip 3 points 3 months ago (5 children)

For me I had so much issue actually making an account, I almost gave up. I think it is cool how Lemmy looks, very simple and very direct, but it does need a bit of more user experience.

[–] daguma118@lemmy.zip 2 points 5 months ago

Mira te pudiera contestar pero no ahí peor ciego que no quiere ver. El pueblo de México en su gran mayoría seguirá votando por Morena. Por que si ahí cambios les guste o no.

[–] daguma118@lemmy.zip 3 points 5 months ago (2 children)
  1. Check the world bank statistics. Or you’ll tell me that Morena made it up? https://documents.worldbank.org/en/publication/documents-reports/documentdetail/099911301062539606

  2. Inflación is everywhere. Mostly caused by uncertainties in the market by the orange guy. Even with it, Mexico is still has kept it down in comparison

  3. im starting to think nothing will change your mind, that everything Morena does will be bad.

  4. Yes infrastructure. Like: refineria, tren maya, tren transoceánico, AIFA (doesn’t flood you monkey) etc…. Now tell me what did previous governments do?

& yes Samsung and other companies like Electra need to pay TAXES. If not, what stopping others from not paying as well. Who do you think we are the USA?

https://mexicobusiness.news/tech/news/samsung-seeks-dialogue-sat-over-immex-tax-dispute

[–] daguma118@lemmy.zip 2 points 5 months ago (1 children)

Tranquilo viejo. Si fue lamentable que agarraron y soltaron a el hijo del chapó, pero ya está en custodia. Pero si te das cuenta por qué? Estaban matando civiles. Pero como me imagino que no estabas en Culiacán, pues dijiste chsm que maten a todos.

Si quieres hable de corrupcion, checate a el PRIAN. Checate por que calderón declaró la guerra a el narco, quien es Genaro Garcia Luna, gasolinasos, casa blanca, etc.

[–] daguma118@lemmy.zip 2 points 5 months ago

No es que sea chairo pero me impresiona que se les olvide todo lo que pasó en sexenios pasados. Estábamos peor en toda estadística.

 

The government shutdown is delaying proceedings in Congress’ investigation into Jeffrey Epstein, affecting a measure to require the release of files in the possession of the federal government and holding up testimony from key figures.

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