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re: Looking for some advice (Investing)
Posted on 9/13/26 at 5:22 am to Suntiger
Posted on 9/13/26 at 5:22 am to Suntiger
If your really looking for advice, everyone has already provided it. The hardest part about an inheritance is NOT spending it on material things. Warren Buffet himself would say.... VOO, SCHD, SCHG, QQQ. Any combination will do (25%,25%,25%,25%) (40%,30%,20%,10%)
The hard part is leaving it alone.
The hard part is leaving it alone.
Posted on 9/13/26 at 7:41 am to 03 West CoChamps
quote:
Yes she just doesn't want me to screw it up. Wants a professional to make sure I don't screw it up. I get her hesitation. That's why I'm looking for knowledge.
Then a FA is 100% needed.
If you flip it up, or if your investment decisions don't perform well enough, she will never let it go. If the FA flips it up, you got ammo for the rest of your marriage.
You will get a lot of feedback shunning FA's. Personally I like them. They make good money for me while providing peace of mind. I have bought stocks myself. Some have done well and some have bombed. The FA has never bombed. They may have fewer home runs, but they provide a ton of singles and doubles which are now compounding well.
They have helped me get lucrative life insurance policies, and have introduced me to better ways to defer money for retirement.
They have recommended solid no name stocks that have done extremely well.
I like having peace and someone I know personally to talk to for executing trades, planning, etc. I don't get butthurt about the fees like others do.
If you and your wife are tense about how one handles money, I highly suggest an advisor. If one of you screws up talk about serious resentment. That is way more damaging than a FA fee.
This post was edited on 9/13/26 at 8:10 am
Posted on 9/13/26 at 8:09 am to Mariner
quote:let’s hear it!
They have recommended solid no name stocks that have done extremely well.
Posted on 9/14/26 at 11:09 pm to 03 West CoChamps
Investing can seem overwhelming to those without much experience, but it's really as simple as this:
1. Download a brokerage app and create an account, I use Fidelity. It's all personal preference.
2. Transfer your money into the brokerage.
3. Purchase a broad index fund, something like VOO or SPY in my opinion, to capture the S&P 500. You can do your own research on this.
There's really no need to get cute here, if you get a 10% return over 25 years, your $100k will be worth roughly $1.2M with no additional contributions.
1. Download a brokerage app and create an account, I use Fidelity. It's all personal preference.
2. Transfer your money into the brokerage.
3. Purchase a broad index fund, something like VOO or SPY in my opinion, to capture the S&P 500. You can do your own research on this.
There's really no need to get cute here, if you get a 10% return over 25 years, your $100k will be worth roughly $1.2M with no additional contributions.
Posted on 9/15/26 at 1:57 am to 03 West CoChamps
Maybe keep $10k to the side as emergency. The other $90k, well, “VTSAX and chill.”
Posted on 9/15/26 at 7:09 am to 03 West CoChamps
Look up the Money Guys Show’s “Financial Order of Operations”.
It helps demystify where you should place your next dollar.
You can watch their other content about how to invest, but generally they recommend broad market funds over long periods of time.
It helps demystify where you should place your next dollar.
You can watch their other content about how to invest, but generally they recommend broad market funds over long periods of time.
Posted on 9/16/26 at 1:34 am to 03 West CoChamps
Great position to be in with a $100k inheritance at 37 looking toward a 25-30 year retirement horizon. Asking the right questions about financial advisors and balancing growth vs. diversified mutual funds is a smart first step.
Posted on 9/16/26 at 10:31 am to 03 West CoChamps
Unless you are a complete buffoon, Do Not Hire a Financial Advisor.
Right now with $100K, you’ll give him $1,000 per year.
At $1M you’ll give him $10,000 a year.
At $10M you’ll give him $100,000 a year.
And that’s minimum.
Just for him to sent you an email each month and some virtual hand holding.
Combination of VOO and VGT and leave it alone.
Right now with $100K, you’ll give him $1,000 per year.
At $1M you’ll give him $10,000 a year.
At $10M you’ll give him $100,000 a year.
And that’s minimum.
Just for him to sent you an email each month and some virtual hand holding.
Combination of VOO and VGT and leave it alone.
Posted on 9/16/26 at 11:26 am to iosman987
quote:
Great position to be in with a $100k inheritance at 37 looking toward a 25-30 year retirement horizon. Asking the right questions about financial advisors and balancing growth vs. diversified mutual funds is a smart first step.
After doing some research this is my loose plan.
About 20% is going towards savings to sure up the emergency fund an a couple of other things.
Going to open a Roth IRA in my name and my wife's name and fully fund it for 26 and 27. About 30%
Going to put the rest, about 50%, in a brokerage account.
In the Roth IRA's I'm going about 50% VOO and SCHD so I don't have worry about paying taxes on the dividends.
The brokerage is going completely VOO for the time being. Once I get closer to retirement I will look to diversify more and get an advisor.
So my portfolio balance will be about 80% VOO/ 20% SCHD.
Obviously going to add monthly to the brokerage in 27. In 28 work towards monthly adding to the Roth IRA to fully fund it before adding to the brokerage account.
Anyone see any major flaws with this?
This post was edited on 9/16/26 at 11:27 am
Posted on 9/16/26 at 11:41 am to 03 West CoChamps
quote:I really like the loose plan. Especially maxing out both Roths with nearly 30k.
Anyone see any major flaws with this?
However, this line for me is a head scratcher:
quote:
The brokerage is going completely VOO for the time being.Once I get closer to retirement I will look to diversify more and get an advisor.
You're 20-25 years from retirement. I would want to give at least some allocation to tech, growth, or both. VOO/SPY is just about all large cap.
I'd look into a small to mid cap growth ETF or QQQM at the very least.
If not, it's not the end of the world, and you can do worse than VOO
This post was edited on 9/16/26 at 11:48 am
Posted on 9/16/26 at 2:14 pm to bayoubengals88
quote:
would want to give at least some allocation to tech, growth, or both. VOO/SPY is just about all large cap.
I'd look into a small to mid cap growth ETF or QQQM at the very least.
I guess my fear is the tech bubble popping in the next 24 months. But I guess in a 25 year view that doesn't matter much does it?
Posted on 9/16/26 at 3:03 pm to 03 West CoChamps
quote:
I guess my fear is the tech bubble popping in the next 24 months. But I guess in a 25 year view that doesn't matter much does it?
Correct, shouldn't matter.
Posted on 9/16/26 at 3:26 pm to 03 West CoChamps
50% SCHD, why? Total returns on dividend funds have lagged the market. You don't need the income. This seems unnecessarily conservative for a long term portfolio. If you are gonna hold it, best tax wise to have in a retirement account so that makes sense. On other hand, it's best to have highest growth assets in Roth and dividend funds are typically slower growth
Posted on 9/16/26 at 5:23 pm to 03 West CoChamps
quote:Not at all. We are well over 50% above the 2022 top.
I guess my fear is the tech bubble popping in the next 24 months. But I guess in a 25 year view that doesn't matter much does it?
As long as you and your wife can arm yourself with these types of data points and simply "not care" about any kind of 30% correction, you'll be fine.
Just keep buying.
Posted on 9/16/26 at 5:24 pm to TorchtheFlyingTiger
quote:I would second this. The only reason I would want some allocation to SCHD personally, would be to sell it if the market tanks to add more risk.
50% SCHD, why? Total returns on dividend funds have lagged the market. You don't need the income. This seems unnecessarily conservative for a long term portfolio.
Posted on 9/17/26 at 8:10 am to TorchtheFlyingTiger
quote:
50% SCHD, why?
Its 20% of the portfolio but 50% of the portion housed in the Roth IRA for down the road I don't have to worry about a tax burden on the dividends quarterly or yearly. And the potential of after 25-30 years the dividends would be enough to count on $2,000-$3,000 a month of income where I'm not having to pull from my total capital. That is the logic behind it.
But overall where I am right now is 65% VOO, 20% SCHD, and 15% QQQM. Once I get comfortable and learn more I'm sure I will diversify even more with monthly investments. I'm just trying to get a conservative steady growth base right now with the tilt towards dividends that can grow over the 25-30 year span I'm thinking.
Posted on 9/17/26 at 8:24 am to 03 West CoChamps
Consider VGT too. 30% 1yr, 127% 5yr return…. It’s been a good one for me. Just wish I had started with more money back then.
I remember buying during covid and worrying the price was too high
I remember buying during covid and worrying the price was too high
This post was edited on 9/17/26 at 8:43 am
Posted on 9/17/26 at 8:26 am to 03 West CoChamps
quote:
Its 20% of the portfolio but 50% of the portion housed in the Roth IRA for down the road I don't have to worry about a tax burden on the dividends quarterly or yearly. And the potential of after 25-30 years the dividends would be enough to count on $2,000-$3,000 a month of income where I'm not having to pull from my total capital. That is the logic behind it. But overall where I am right now is 65% VOO, 20% SCHD, and 15% QQQM. Once I get comfortable and learn more I'm sure I will diversify even more with monthly investments. I'm just trying to get a conservative steady growth base right now with the tilt towards dividends that can grow over the 25-30 year span I'm thinking.
On second thought, go hire a financial advisor. You don’t know what you’re doing.
Posted on 9/17/26 at 9:40 am to 03 West CoChamps
The dividend fund in a Roth IRA is dumb. As someone else mentioned, total return is all that matters (dividend + price return), and dividend funds tend to lag the total return of comparable indices in the long run.
Other than that, you are doing great man. none of this will make or break you
Other than that, you are doing great man. none of this will make or break you
Posted on 9/17/26 at 10:34 am to 03 West CoChamps
I see your logic, but that's the fallacy of dividends. Spending dividends is drawing down your capital. It is literally the company returning capital to the investors (on their timeline not yours). Problem is in 25+ years you are much more likely to have a significantly smaller accumulated nest egg if investing in dividend stocks. Think about it like this, do you want to invest your capital in companies that use their earnings to expand or those that see limited growth opportunities so they return capital to investors to do what they will?
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