It really depends on the individual and their in"It really depends on the individual and their investment strategy. Some people may choose to invest a lump sum and then not touch it for years, while others may choose to invest small amounts regularly. Some people may prefer to invest in a systematic investment plan (SIP) which is the process of investing a fixed sum, regularly, at fixed intervals into a particular investment. Others may prefer to invest in a lump sum, which means investing a large sum of money at once.
It's important to find a strategy that works for you and your financial goals. No matter which strategy you choose, diversification is always a good idea. Investing in different types of assets such as stocks, bonds, real estate, and precious metals like gold can help to minimize your risk and provide a more stable investment portfolio. I would recommend checking out resources like altinvestor.net for more information on investing in a Gold IRA and how it fits into your overall investment strategy."vestment strategy. Some people may choose to invest a lump sum and then not touch it for years, while others may choose to invest small amounts regularly.
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how often do you guys invest
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Biweekly for my TSP, monthly or annually for my IRA, monthly for my brokerage account.
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I've been maxing out my retirement accounts the last 5 years. I have an HSA that I have maxed that out the last 3 years. In 2022 I started a taxable account for the first time and threw 25k into it. I also have 4 rental properties.
The last few years I have lump summed the IRA and HSA and the 457 is BI weekly but I always max it out early.Last edited by Atretes1; 01-09-2023, 12:03 AM.
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Invest your excess cash if you have it. Make a plan for regular investments if you regularly have excess cash each month.
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401k/HSA is invested each paycheck to an amount that hits max contribution at year end.
I put money in taxable investing whenever I have $1k more than what my emergency fund is
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It's funny when spammers resurrect old threads & we just run with it.
I've mentioned it on another thread somewhere, but I actually did change how I'm investing due to the frothy, down-trending market.
Normally I was investing twice monthly, as I described in my post above from a year ago. Last Sep/Oct, the market started to get really frothy, so I adjusted to make purchases weekly. It allows me to get a better sampling of share prices, and follow the constant up/down in values to take advantage of the fluctuations to better match the market's trends. Maybe it doesn't have a noteworthy effect, I haven't analyzed the data necessary to really say. But there are also a few emotional/probably illogical reasons that I prefer about it.
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My taxable investing into VTI is on a break. Right around April 23 I invested around 8k and that is when things started going downhill.
At that point I increased my 401k to 25% since I needed a few big contributions to ensure I max that account by year end.
I can bring the 401k back to a smaller percent around September.
im hoping to buy maybe 5 shares of VTI (taxable) in July since that is a 3 pay month.
In the mean time I took money for my 2023 school taxes and opened a 12 month CD (1.75%) at CapOne. Also reluctantly opened the performance account at CapOne since that is paying 1% now instead of my existing accounts there that were paying 0.5%. Wonder when they will create a new gimmick to make me open a newer account.
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I have taken up the position of paying myself first.
Of course 401K comes out of the check automatically each month.
I maintain between $1,000 to $3,000 in Checking. I've set a goal to start each month with my Checking + Money Market account = $20,000. Anything above that amount goes straight to the Roth IRA. For the past couple of years I've managed to max it out around March or April.
Once the Roth IRA is maxed, anything above the $20,000 total is transferred to a separate, we'll call Long Term Savings account at a different bank. It's a money market so no huge returns, but it is segregated and has a purpose (in this case a future rental house).
Yesterday was payday. This morning, I transferred $2,000 to the Long Term Savings. Immediately afterwards I started paying bills. The first was Truck Insurance and House Insurance, roughly $2,000 total.
So now on July 1st, my Checking + Money Market = $18,000. I don't like seeing that number under $16,000 at any point so I'll have to tighten the purse strings for a couple of weeks. Probably no "luxury/hobby" purchases this month.
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I started investing relatively recently. And I tried to invest small amounts from each salary. I can’t say that it brought some crazy income; it seemed to me that I was going to zero. I told my friend about this, and he advised me one site brrrr method, where I learned about a very cool method. If you are an innovator, it will be very useful for you to learn about this method. Now my income has increased significantly, and I am very happy about it.Last edited by peterhend; 07-08-2022, 04:54 PM.
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I put away 10% of the money for investing from every salary. So I invest every month. Honestly, I found this strategy the most suitable because you can constantly invest and not spend that much money. Anyway, I am sure there are a lot of strategies that can bring you profit, so you just have to find the one which will work for you.
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About once per two months. Sometimes more often, sometimes less. Would love to try buying at least something every month, but when I see the big prices on the market I usually wait.
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To the title of the post "How often do you invest?"
The 401K is of course monthly.
For the IRA I try to hit all $6,000 at once, usually February or March. I've got a coworker who invest $500 per month in his. Either route gets you to the same place.
In myself, is daily.
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Originally posted by sethmachine View Post
Perhaps I'm misunderstanding here, but when you have this money set aside for Roth IRA, do you mean its the money you need right now to live off of so you can contribute from your paycheck to Roth IRA?
I'm able to contribute $6,000 a year to my Roth IRA without going through payroll; I do this in a single lump sum from after tax money. I cannot contribute to Roth IRA through payroll due to my income and I don't get tax deductions for Traditional IRA contributions either. So every year I contribute $6,000 to my Traditional IRA (after-tax) and then I immediately transfer it to my Roth IRA (and don't have to pay any fees or taxes). However, the catch is you cannot have any remaining $ in all your Traditional IRA accounts by the end of the year you did this transfer, otherwise you'll face a penalty/tax. Fidelity allows me to do this and keeps track of it all so when I file taxes I have the appropriate paperwork for the IRS.
If this isn't your situation (e.g. you can still contribute to Roth IRA normally due to being below income limit), then yes you should max out payroll contributions to Roth IRA.
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I have set aside $16k for next year 2 ESA and 2 Roth IRA.
I'm able to contribute $6,000 a year to my Roth IRA without going through payroll; I do this in a single lump sum from after tax money. I cannot contribute to Roth IRA through payroll due to my income and I don't get tax deductions for Traditional IRA contributions either. So every year I contribute $6,000 to my Traditional IRA (after-tax) and then I immediately transfer it to my Roth IRA (and don't have to pay any fees or taxes). However, the catch is you cannot have any remaining $ in all your Traditional IRA accounts by the end of the year you did this transfer, otherwise you'll face a penalty/tax. Fidelity allows me to do this and keeps track of it all so when I file taxes I have the appropriate paperwork for the IRS.
If this isn't your situation (e.g. you can still contribute to Roth IRA normally due to being below income limit), then yes you should max out payroll contributions to Roth IRA.
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Originally posted by Nutria View Post
Check the Roth withdrawal rules, if you have enough in there to be an E-fund, and if you can discriminate contributions from growth.
This is tough, because it depends on interest rates. If they start to climb, BND's NAV will fall, and you won't have time for it to recover (due to higher yields).
A trailing stop-loss or trailing stop-limit order might mitigate that, though.
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