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Starting out 2026 with a decent 401k, don’t know if I should make changes or continue on course
Woke up to one of my stocks up ~$11k 😯
T Rowe Hybrid Trusts x TRP's target date mutual funds
What if you want a financial advisor... just not right now?
25 y/o, just starting out. Looking at fortifying my 401(k) for now.
Updated analysis, acquisition out today $KULR , Looking ready to break 50 DMA soon
Updated analysis, acquisition out today $KULR , Looking ready to break 50 DMA soon
I believe this ticker has been slumbering for quite some time, and it’s setting up for some form of a momentum going on.
TerrAscend and TRP Announce Partnership To Bring Global Cannabis Brand Cookies Into Pennsylvania Market
Tryp Therapeutics releasing promising info surrounding their phase 2 trials.
Tryp Therapeutics Partners with the University of Michigan to Evaluate Proprietary Formulations
KULR's battery safety technology validated by NASA and CPSC ahead of potential commercialization
KULR's (NYSE: KULR) battery safety technology validated by NASA and CPSC ahead of potential commercialization
If you want to get into the shrooms industry, look at Tryp
TRYP (CSE: TRYP) (OTCQB: TRYPF) (FSE: 8FW) PHASE 2 NEWS!!!
Don't click this post until $NOK is 20 bucks
Mentions
Fidelity's legal name is "National Financial Services, Inc", so that's who they may want the check actually made payable to. Talk to them before you talk to TRP.
401(k) plans seem to be somewhat more "reluctant" to use the automated process; don't know why. * If you're going to roll to your current employer's 401(k), make sure you get clear instructions **from them** as to how the check needs to be made out. * If you're going to roll to an IRA that you own, make sure you have the check payable to the custodian ("Charles Schwab & Co, Inc", for example) and NOT TO YOU personally. In either case, TRP will mail the check TO you, even if it's not PAYABLE to you, for you to send onward. It's a straightforward process, but it does have a few more steps than the fully-automated ACATS thing. Do not fear it.
Would cnn pick this big news too? Lot of TRP for them 😂
I’m selling on pumps to trim my margin tbh. Moving cash into safer investments like TRP and SQM, AND buying a BTC position
Totally. I mean some of the stuff I buy has had solid runs, but still end making good money of them, since I try to buy the names when the fundamentals make sense. That's the biggest thing to me, I think over paying for something is a huge risk sometimes. Like TRP isn't undervalued, probably a bit bit overvalued, but it's not the worst price, especially if you are looking at a long term hold. I think a big part of the TPR story is Coach, since again is from like the 5-10 minute research on I did on it lol. [https://www.worldfootwear.com/news/coach-fuels-tapestrys-growth/11047.html](https://www.worldfootwear.com/news/coach-fuels-tapestrys-growth/11047.html) >**The Coach brand fuelled growth for the group**, achieving year-on-year net sales growth of 22% (or 21% on a constant basis) in the first quarter, reaching 1.43 billion US dollars. Meanwhile, **Kate Spade underperformed**, experiencing an 8% year-on-year net sales decrease (or a 9% decrease on a constant basis) to reach 260.2 million US dollars. I was talking about this the other day, but I wonder what is going to happen with Europe soon, in terms of them being flooded with cheap Chinese goods. WSJ had an article about the new infrastructure being set up, since the tarifs are having China look at Europe as new growth market. There is also some loophole that China is taking advantage of with shipping packages. I think it called out like TEMU had like 2% of their revenue from Europe and it's now up to like 40% this year. The reason I bring that up, is I wonder if Shein and Temu will impact consumer habits, in terms of going after cheaper goods compared to some of the luxury brands.
TRP is a sick stock I’m looking to enter
TL;DR Future 401k plan: 70% VINIX VANGUARD INST INDEX 20% PNAIX TRP ALL-CAP OPPS - I 10% FIKHX Thoughts? Hi everyone, I'm 22, graduated in May, with my first job making 62k a year. I started my 401k through T. Rowe Price a couple months ago. I want a lot of growth with some risk while I'm young and from my understanding this will accomplish that. Since I started I have just been putting everything into my TRP targeted retirement fund for 2065 (RO9). I'm new to investing but I love learning about it. Please let me know what you think about this. Is this a good setup? Should I keep some in the target fund? Do I do any international or anything else. I'm open to all feedback.
Are you a gay bear? Did you lose your life savings in a recent trading session? If so, call 1-800-BEAR-TRP now. You may be entitled to compensation for your retardation.
Can you do a deep dive live this into Tissue Repair TRP And PainChek PCK
Check out TRP on the ASX :)
I agree with people who say that's too many holdings. I would see if TRP can automatically construct RMD's on a basis proportional to the holdings. ie. RMD for the period is $X Fund A currently is 10% of the portfolio, liquidate enough of it to make up 10% of the distribution. Etc, etc. If TRP can't do that auomatically, I'd calculate it myself. I wouldn't want to be in a position to decide to liquidate all of one fund before another, although if forced to, I'd probably liquidate a bunch of the smallest positions first, which will effectively do some consolidating for you.
I’ve read the wiki/FAQ — looking for practical advice. I’m 28, Turkish citizen on an Estonian TRP tied to my job (may need to move to Turkey or Ukraine). Net worth ≈ €54k (\~€36k savings, €4.5k IWDA/EIMI — both accumulating, rest cash). I save \~€2k/month (I’m extremely frugal — monthly expenses €1k; I save \~70% of net salary) but that stops if I lose the job. No debt. I’ll keep at least €25k as emergency savings. I’m considering putting €20k more into IWDA and leaving it for at least 5 years. Time horizon for buying a home: Estonia 5–6 yrs (if PR), Turkey 5+ yrs, Ukraine 5 yrs. I’m conservative and prefer capital preservation. Should I keep building ETFs long-term, aggressively save for a house I might not live in for 10+ years for case of Ukraine/Turkey, or keep everything liquid for sudden relocation? Practical, low-effort plans appreciated.
Talk of Russia sanctions making US gas 🚀 LNG, TRP
You can see the exact moment I bought TRP
Starting to look at natural gas plays, TRP, LNG?
I think I bought the top or TRP :(
I bought a little TRP yesterday
Anyone trading gas pipeline stocks atm? KMI, TRP, OKE?
Yeah, I would advise OP to stop watching Indian media. Specifically the Republic TV whose anchor is known for celebrating the Pulwama attacks(2019) for the boost it would give to his TRP. Shameless Indian media. The ceasefire holds in all areas except the LOC.
Yes, in regards to the typical 3 fund philosophy, their fees are slightly higher than the others, at .18, .26 and .29%. But compared to the .58, .66, and .98% for the funds she's currently invested in, it's still a marked improvement in fees. So the thought of avoiding the hassle and any confusion by changing brokers is why we considered just staying with TRP. Plus I was under the impression that once you sell the funds in TRP to transfer to another brokerage, we would be responsible for any capital gains taxes.
As I understand his description, the funds and holdings are already in a Rollover IRA. If he were to sell those TRP holdings and reinvest those funds into the securities of another fund family (or any other security for that matter), those events will not trigger any tax implications.
I was under the impression that changing brokerages would mean having to pay capital gains taxes on the TRP funds.
TRP trading like keystone pipeline imminent
Here it's different. Both know where to stop. If anyone ever crossed and occupied or resource of other than that's going to be ugly and yes it will be war. Rest they both will drop some bombs and some shells to demonstrate and cool down public sentiment and gather suport for coming elections. But other that neither goes in full out war direction, and the rest is media, and I think you know how TRP views, etc, works.
TRP 2030 fund is roughly 50/50 mix, so coworker might be grumpy. I know someone 100% money market and has been their whole working life. Had to imagine how much gains they have missed, just to “smart” the last few days.
He is a showmaster getting max TRP ratings around the world :) thats all that matters to him good or bad!
60 million who'll invest primarily in their own shady oligarchs (Aldani) with cooked books. And the rest? So poor not ev iPhone can be sold at TRP it's all sold at a massive rebate because they're dirt poor... Money matters. Poors don't move the market, the *whole Indian population* has less purchasing power then a handful from silicone valley
1. Sell Everything 2. Buy Sony Shares (CEO buying back shares and fundamentals insanely good). 3. Leave room for Intel as they report profitability between April and May. Keep an eye on it. My two sense: Stay away from the hype unless you like volatility: Googl, Nvidia, Nbis, Pltr, BABA, BBAI, ARCHR. I may play some swings in Dominos and TRP. I like TRP’s fundamentals and I just like dominos pizza.🍕
TRP calls about to do me some good
TRP earnings play, buy calls. (i need exit liquidity)
Fellas, TRP earnings play. $50c Feb 21. Trust me
My play is TRP earnings. Never heard of the company until this morning but why not? calls
The moment I sold my TRP calls that shit instantly pops back up Jesus Christ.
Only wish I had more TRP calls
Search for "Balanced" in the fund name. Everybody and their dog has an S&P 500 fund, everybody and their dog has a total market fund, and everybody and their dog has *some* kind of a Balanced Fund. Sometimes they're called Equity-Income funds, too. Fidelity has FBALX. Janus has JABAX. Vanguard has VBIAX. TRP has PRWCX (I think). AmFunds has ABALX and AFMBX. And so on, and so forth...
All my holdings now copycat hedge fund SIRI, NVTS, HL, TFPM, TRP. All in small position
We have a mix of brokerage accounts, Roth, and 401(k). Invested primarily in S&P 500 index funds and T Rowe Price’s Science and Technology (TSNIX) and Comms & Tech (TTMIX). TRP’s fees are a bit high on these funds although I get a bit of a break with their I-class funds now. Also when I first started I was talked into some front loaded high fee funds for a couple of years by a financial sales-type guy. If I could go back and do it all over again I’d just stick with a low cost S&P for everything and just be done with it.
Short oil services went too high too fast $BKR $MPC $TRP $KMI
Wow, hitting over $1 million in your 401(k) at 31 is impressive—congrats! Since you’ve got the cash in Fidelity now, putting it into a standard index fund like the TRP Retire 2060 is a solid choice, especially with your company contributing 15% annually. You might also want to consider diversifying a bit—maybe mix in some small-cap or international funds for extra growth. And don’t forget about keeping an emergency fund from 6 to 12 months handy! Maxing out your contributions is a smart too, since it reduces your taxable income and helps your money grow even more :)
TRP is wiring direct to my rollover and ROTH accts. Won't see the money trans for 2 weeks they said probs sooner
Thank you. The IRAs are in low cost index funds through TRP. The $300k is all in cash. 3/4 in short-duration (10 month) CDs and 1/4 in a low yield savings account. I appreciate your perspective. I was raised in a household that never talked about finances and was taught it was a taboo topic to talk/ask about. For that reason, I don’t really have anyone in my close circle of family/friends that I feel comfortable talking to. This might sound silly, but I don’t really know if I’m doing well or the right things or not.
Makes sense. That happens. Some people get stuck with much worse than TRP for their 401K.
I have never seen anything about TRP that would make me want to use them for anything.
It’s not directly related but TRP. It’s TC Energy and they have the Keystone Pipeline. They were building Keystone XL, Biden Canceled the permits. I really don’t know but if Trump gets in he wants energy independence so he will most likely approve the permits the permits. If that happens TRP will go up, who knows how much. Even if it doesn’t it’s a stable stock in the energy sector that has 6.5% dividends not bad either way. 🤘🏻🤷🏼♂️
I say TRP and I hold some for that very reason.
If you see a higher ER fund over time beating what the cheaper equivalents are doing, you're right - for that time *in the past*, it didn't matter. Fees, like the compounding we love in the other direction, do their worst over time. I have been in PRMTX for decades. Kind of stopped looking at the TRP accounts as closely as the rest. Regrettable. Comparing that to VGT, I see over the last five years, with dividends reinvested, VGT beats PRMTX by more than double. Well, damn. Now I'm not saying all of that is the lower fee. But *dayum!*
I called my supervisor a "regard" after he gave me shit for playing a piano at work. He told me he doesn't pay me to play piano, and I told him he doesn't fucking pay me anything. I work at a hospital for the record. It's not his money. I ended up getting writen up and i wanted to make big money as a fuck you. I took a 600K margin loan to buy TRP that had just fallen below the covid lows. By the time I was in my write up meeting a week later I was up 40K and feeling like a G. Wasn't insane money but was a lot more than my supervisor made that week sucking corporate dick
So based on your prior links and these as well a better distribution would be something like below. I do appreciate the links and resources you've been posting! It's all very helpful. I've mostly been focused on saving money but now I'm seeing the need to rebalance it as well! For US Stock Market Exposure - 80 % of portfolio VANGUARD 500 INDEX ADMIRAL - 66.5 % VANGUARD MID-CAP IND- ADMIRAL - 6.4 % VANGUARD SMALL CAP INDEX, ADM - 7.2 % For international - 10 % VANGUARD EMG MRKTS IND ADM - 10 % The remaining 10% of my total portfolio will likely remain in my target date fund or I may push a portion of it into the T ROWE PRICE BLUE CHIP GWTH mutual fund that is offered through my plan. T ROWE PRICE BLUE CHIP GWTH I TRP SPECTRUM INTL EQ - 1 VANGUARD VALUE INDEX ADMIRAL
I do have access to TRP SPECTRUM INTL EQ - I VANGUARD EMG MRKTS IND ADM as well but performance there has trailed the US stock market significantly, especially the trowe fund So to say I have limited availability to international exposure is an understatement.
I'd sell everything that is matured and reinvest in indexes. Single stocks may have got you here but they could drag you right back, it's time to shift from aggressive growth to steady and stable growth. Don't overlook the mid and small cap stuff, some of it has done well recently. Nothing seems to be beating my TRP Blue Chip Fund right now but the S&P is doing great even by comparison. Start acquiring bonds now too, they'll make a nice hedge. I'm not against dividends but I'd recommend SCHD or another fund if eventually you are looking to have that passive income as part of your future portfolio. Single stocks tend to fluctuate more with the yields vs funds. I would be absolutely intrigued at what might happen if you try to divest from crypto, please keep us posted if you take that route.
im curious why you picked BTI, their earning per share TTM is -8.25%. TRP has negative growth in the next 5 years. almost all your picks have negative growth. are you shorting these picks?
TRP RET BLEND 2050 D That's mt.401k retirement fund that is only making 5% over 12years
I’m not sure how many Canadians are on here but there are some blue chips that way north of 5%. High debt loads for sure, but damn TRP.TO
Enbridge, TRP and tourmaline are great. I have 6 figure positions in all 3
There's three relevant kinds of fees. - Expense ratio: mutual funds/ETFs charge a continuous fee on the money you invest in the fund. This is listed in the fund's prospectus and other materials. "Index funds" are mutual funds or ETFs which simply track a 3rd party list of assets and generally charge low fees or nearly zero expenses. Actively managed funds generally charge higher expense ratios like 0.5%-1%. This is the kind of fee that TRP is talking about. - Advisor management fees: advisors charge a fee on the money you invest with them. (They then generally invest your money in a portfolio of mutual funds which have their own fees.) Commonly human advisors charge around 1% of your assets per year, lower if you have a Lot of money. This is the kind of fee EJ is talking about. Some firms offer more limited automated advisor services which charge around 0.25% of assets. - Commissions: self service brokers may charge fees when you purchase a stock/bond/ETF/mutual fund/etc. Most brokers in the US do not charge commissions any more on most common assets, but they still sometimes charge on options or mutual funds which aren't on their NTF list. This is likely the kind of fee Fidelity/Vanguard is talking about with "no fee". You can get a brokerage account with Fidelity and invest it in various mutual funds or other assets of your choosing. There wouldn't be an advisor fee (unless you sign up for an advisor) or commissions. You can keep fund expenses low with index funds. In fact, Fidelity (the fund management arm) runs a few funds with an expense ratio of zero (e.g. FZROX).
Oh, yep, sorry... didn't notice it in your list. I guess ET-I (the updated uncallable preferred that used to trade as CEQP-PR) and TRP are out due to your rule against K-1s. There's also BEPC, currently pretty close to your 6% threshold and with decent growth prospects especially once rates fall. And for energy/infrastructure the baby bonds BEPH and BIPH may be of interest.
I buy 4 stocks (Canadian) that generate above 6% BCE.TO(8.28%), TRP(6.97%), ENB.TO (7.5%), BNS(6.26%)
TRP 2060 fund has an expense ratio of 0.68%. That is too high, IMO. What other fund choices do you have besides the target date fund?
* “T Rowe price retirement 2060.” What is this? * This a "target date fund" which is a type of mutual fund, you can read more information about that specific one [here](https://www.troweprice.com/personal-investing/tools/fund-research/TRBNX). * Why is my money automatically invested into this? * The default investment is typically a target date fund based on your expected retirement date based on your age (for you, approximately 2060). I'm not familiar with Randall and Hurley, but it you may have some options for different mutual funds to choose from, though the options are typically very limited compared to what would be available on a personal brokerage account. * Should I choose a different investment instead like the s&p 500? * You may or may not have that option, but if you're new to investment I would leave it as is until you have a better understanding of what you're doing and why. * Note: the number one holding (32%) in your target date fund is "TRP Equity Index 500" which is an s&p 500 index fund. * Where are these dividends coming from? * Individual companies in the target date mutual fund will pay out dividends over time, these get paid out to you and should be automatically re-invested back into the fund.
I'm not really looking for advice, more the facts on what is written in the tax rules. Not sure anyone here can really provide effective advice without understanding our full financial picture and objectives, which I haven't shared here. This thread will be one of a few data points that go into the decision-making, in addition to speaking with the 'licensed' advisors at T. Rowe Price and Vanguard. So far, the information I'm getting from this thread lines up with what I've heard from TRP and Vanguard. Anything else you'd suggest?
>I was thinking TRP 401k > Vanguard Roth IRA directly, but not sure if that's possible w/o the intermediate steps. This is not possible. You have to rollover the 401k to traditional IRA before you can convert it to Roth and before you can move it. The quickest cleanest way is to do that at TRowe, however it is not the only way. In some cases if you dont do it in house, they will mail a check that has to be redeposited and holds up the entire process.
Thanks for the reply. Why go TRP 401k > TRP Trad IRA > Vanguard Trad IRA > Vanguard Roth IRA? I was thinking TRP 401k > Vanguard Roth IRA directly, but not sure if that's possible w/o the intermediate steps.
Calls on TRP?? beat earnings 23%
That TRP fund has a good track record. It leans a bit more toward Value than the SP500 which is teetering on the line between a blend and growth fund.
Account says 87281M504 TRP Retire 2055E
It’s not a bad plan, it has nice features, but the choices are few TRP target date funds and few Fidelity growth/value funds. I only hold FXAIX there. So holding FXAIX for 5 years plus ability to do 8k a year Roth conversion > ability to invest into VTI/SCHD/JEPI/JEPQ ?
If you like Skybarbour check out BWXT. Big nuclear player in Canada and US. Government contracts and R&D deals with NASA and pharmaceutical companies.. I’ve worked for them a few times and they treat people great so can’t say enough about them. Also TRP is Bruce Power
Nuclear science and tech have come a long way.. I live in Canada and work at Bruce nuclear frequently.. they already power 1 in 3 lightbulbs in Ontario and these new reactors they plan to add will make them the biggest nuke plant in the world. Nuclear is the only option if they plan to get everyone into an EV and keep up with the power demands.. the amount of work it’s creating will last a good 10 years minimum so Im a big fan of nuclear Bruce power is owned by TC energy - $TRP Also check out $BWXT, great company with lots of government contracts and R&D with big players like NASA
You have two separate processes to deal with here. One: **account transfer**. Open an IRA at your favorite mainstream brokerage. Submit transfer paperwork TO THEM, although TRP may want its transfer forms submitted -attached- as well. Wait for a check to arrive in -your- hands -- but if you've done it right, the check will be -**payable** to the new custodian, NOT YOU. Mail that check to the address they gave you. (Most 401k transfers do NOT go trustee-to-trustee, and most don't go through "ACATS", thus the whole paper check business.) Two: **invest the cash**. Buy stuff -- but think in terms of Asset **Type**, not just specific funds. How much do you want in "Large Cap Growth"? That's S&P 500 **index**. *EVERYBODY AND HIS DOG* has a **fund** that tracks that index -- pick one, which doesn't have to be VOO (because *EVERYBODY AND HIS DOG* has an equivalent fund). How much do you want in mid-caps and small-caps? Same process: identify the index of interest, then find funds that track THAT index.
I moved around $40k to Fidelity money market account FNBXX, from TRP RETIRE 2045 in Jan 2023. I see the mistake, so have a laugh, but its in the past. I want to get back on track, but not sure I should just move it all back into the retirement account all at once, because I get the feeling that the market is expensive now, but apparently I've been wrong before. In the context of a 401k, how should one generally consider moving back into more exposure from a super conservative position?
Also consider TRP's Capital Appreciation fund -- a **~**70/30% balanced fund. It's one of my favorites just to "park" money in for a while.
I love me some junk bonds and I've been watching the retail junk and junk ish bonds for a while now. They haven't been trading much lately but today they are trading like crazy. Bonds: TRP (7.5%) , VSCO (11.6%) VFC (7.3%) and WWW (9.8%) to name a few. Maturities between '29 and '32. Someone/something is on the move
At some point demand for gas will dwindle, though not disappear in our lifetimes. I would probably lock in that gain and roll the money into clean-energy stocks, if nothing else. How about NEP? HASI? TRP?
I’d do 50% JLGMX. 30% CMGIX. 20% PRNHX. Large mid and small cap growth. Net net you outperform the FXAIX. TRP nee horizons is good. Mid cap growth is undervalued at this point.
The number of stocks at multi year lows does seem to be rising some of these are DIS, PARA, VZ, T, CCI, JBLU, PYPL, TGT, MMM, D, HRL, and TRP. And those are just the blue chip or "boomer" names. Not even the growth stocks area.
Unless I am missing something It seems like you are double counting equities & net cash. You either get the equity value of TRP at 21% ~441m (2.1B x 21%) or that's zero and you get the liquidation value which is book value 164M (781m x 22%) or net cash 64M (303m x 21%). You could argue that with voting control Liberty could force a recapitulation and take the whole liquidation value (i.e. 781M) but you are speculating and it would seem damaging to Liberty's brand equity in terms of future spinoffs. LBTRB is interesting but it's due to a low liquidity right? Insider ownership and a low float mean it's price is stale. You could try shorting but you would bear the risk of getting squeezed. The real price is LTRPA which has volume. This is interesting can complex like you said and you have followed this longer than me so I'd love to know what I missed.
There was a good interview with a manager from TRP earlier this year and while simplistic, he said: "White: The overarching philosophy is that stock prices over the short- to medium-term are a function of my view of supply and demand. You want to find stocks where lots of people have a lot of reasons to want to buy them. And you want to try to avoid stocks where there's lots of reasons for people to want to sell them. I know that kind of sounds obvious, but there's sort of a truism in that if you can consistently identify stocks that are going to be appealing to other people, you can increase your odds and outperform. This market feels like that on steroids. The things that have "the most reasons to buy them" is all anyone wants. Things that are "doing okay" or have one or two reasons to sell are getting thrown out. Things where "there's lots of reasons for people to want to sell them" (Disney, for example) are getting obliterated. Anything that isn't working is getting aggressively tossed in favor of what is. Yes, these forces have always been at play, obviously - but it really feels like it has been dialed to 11. It was that way in 2020/21, not in 2022 and now it's back again. Disney will likely figure things out and will probably be a great company 5-10 years from now but they do have a lot of issues. "Stock back to 2014 level issues?" I don't know but it currently doesn't matter.
TRP 45C got me 120% today. Easy money and still more to come
TRP calls make me horny.
Sounds like something my ex would say. Does he work at TRP? 😂
Even media people also want him to say things like that, because more blunt his statement will be the more people are going to enjoy their show, and TRP gonna sky rocket after that
Being in a 401k you're limited to the funds they make available. I'm not familiar with what "TRP" refers to. Is this a non-u.s.a exchange?
I thought that maybe it was just due to the recent downturn and everything was doing poorly recently. Looking at my linear balance chart, it wasn't looking half bad until 2022, and the "Ending Balance" and "Employee+Employer" lines started to intersect. They are starting to separate after about a year of riding each other. I don't know how specific I have to be about what I see on my end, but is there a VOO/VTI equivalent on TRP? When I view my available selections I don't really see anything like that. Not sure if I can purchase stock outside of the funds they make available to me?
https://www.nytimes.com/2023/02/06/us/ohio-derailment-chemicals-evacuation.html?unlocked_article_code=C2TRP9PqBMQ07AEkau9sEsRhUGn6Aou42lwwuc0CnXqOcydLJIJ9MX_QxP4tVfIt6WPwBvPgPGvOHDEF-SCCq8hePDc4ZoKvgTi5RJ9amnP1EFqDO2JIJIRIU1IpNAaq6lHipZQDE-xFp9WMVmgicgv80eMv5qFYh5s6egnbrvSCwW9SaMcJX6iqRx1oGp9tPQ5H-jGYo1H_yKbE_Tt3wj2YPhRMb6yoDv1sawWajHh9fVcamf0xd_RY8qynztgbjeIx6C7R47urKyckLXQXKe6WLuZQTm3sOdCrK3ITQ-kC0ATNSz1l-dx2JAquj6evSm-6TvM00jL82TMvNNuwCH8KiXxioPxZEec&smid=nytcore-ios-share&referringSource=articleShare
>I like the idea of having most/all of my contributions going toward simple S&P funds for a variety of reasons, one of which being that SPX funds are what I track and purchase most in my non-retirement investments. Then you may be underweight or even completely ignoring the benefits of international diversification. The TRP TDF would give some ex-US holdings, but may not be enough to balance out your other amounts being US heavy. >I adjusted my future contributions for 60% MM S&P 500, 20% S&P Midcap 400, leaving the remaining 20% in TRowe Price 2045. >Does that seem like a sensible thing to have done? No. TDFs are designed to be either 100% or 0%.
That's what I'm saying here, I didn't opt to sell anything. I didn't initiate anything to happen. My money was moved out of the funds for me. Summary below: ​ 11/18/2022 ⊕ Show Details Exchanges FID CONTRAFUND POOL $(holding) 11/18/2022 ⊕ Show Details Realized Gain/Loss FID CONTRAFUND K6 -$ 11/18/2022 ⊕ Show Details Exchanges FID CONTRAFUND K6 -$ 11/18/2022 ⊕ Show Details Exchanges TRP BLUE CHIP GR T4 $(holding) 11/18/2022 ⊕ Show Details Realized Gain/Loss TRP BLUE CHIP GRTH I -$ 11/18/2022 ⊕ Show Details Exchanges TRP BLUE CHIP GRTH I -$ 11/18/2022 ⊕ Show Details Exchanges VANG INST INDEX TR $(holding) 11/18/2022 ⊕ Show Details Realized Gain/Loss VANG INST INDEX PLUS $ 11/18/2022 ⊕ Show Details Exchanges VANG INST INDEX PLUS -$ ​ Now I have a balance in 3 new "funds": 31617E851 Not Priced Today FID CONTRAFUND POOL 87279U401 Not Priced Today TRP BLUE CHIP GR T4 92206T857 Not Priced Today VANG INST INDEX TR
So I'm trying to decide what to do with a 401k account from an old employer. The expense account is 0.34% which is a lot higher than my current 401k account (a Vanguard one at .08%). It's a T Rowe Price plan serviced by Fidelity but I'm limited to T Rowe Price Retirement funds of different years, Fidelity products (FXAIX and FSMAX and some bond funds) or "Brokeragelink" which seems above my understanding. I'm planning to retire in 2050, would it be worth it to move into FXAIX for the much lower expense ratio given that my TRP retirement fund is already 93% stocks?
I completely missed ten years of tech stock "Who cares about valuation?" party, but also didn't own any of them when they finally got crushed. I briefly held FB but sold it at a small loss, deciding I didn't understand it. I now own an oil and gas ETF called FILL, Canadian dividend paying pipelines like ENB and TRP, an oil tanker firm EURN, and CROX, a value play after the market hated their Heydude acquisition. So I am up materially from November. FILL has a lot of refiners/integrateds in it, so it's not a great tracker of the commodities, but it gives me energy exposure without Canadian political risk. I am holding bags on other names: LUV, with the giant rebound in air travel demand not yet reflected in the stock due to summer logistical nightmares at airports and now recession fears. This will work, eventually. DLTR, which should be OK in a recession and was recommended by Meryl Witmer, who always makes me money, but DLTR has been slow to turn around its Family Dollar division, which was her thesis. This one, like LUV, will take more time. I own a couple of Canadian banks, which have been great historically and not great lately. I've missed lots of upside by having no exposure to Canadian oil and gas stocks because moronic PM Justin Trudeau wants to destroy the industry, which provides Canada's number one export by value. He'll probably impose a windfall tax, cheered on by fellow dipstick Juggy Singh. I managed to sell LMT right before Putin invaded Ukraine and am the only person in the world to have lost money on Apple stock, so do not follow my example on anything.
Been a while since I read some TRP advice
This may sound dumb but MCD’s the last 5 years and for sure another 5, BMO and TRP pipelines…AAPL will never leave my portfolio!
You Canadian? I’ve been slowly pickoff away the last 6 weeks on the below: Goog 8% Meta 7% Adobe 4% BNS 8% EQB 7% GSY 5% Dir-UN.to 5% TSU.TO 5% AQN.TO 4% Added 4 new stocks Friday at 3% weight each. SLF.TO RNW.TO TWM.TO TRP.TO Got roughly 35% in cash sitting on sidelines. We are just in a bear market rally, save some cash as feds not done yet.
> re people generally interested in investing in VC and startups? No. You had an environment where everything came together for speculative/hyper/aggressive/whatever growth in 2020 in a way that it hadn't for decades. Now, this is the hangover and it wouldn't surprise me if the hangover lasted for a while. You've already seen significant write-downs in the valuations of a number of private companies. Tech bank SVB Financial (aka Silicon Valley Bank) is down almost 50% YTD (SIVB) People are still going for the sort of 2020 yolo growth playbook and while rallies are going to happen, it wouldn't surprise me if a lot of this stuff continues to disappoint over the next year. That's not saying no growth, but you have to be really, really selective in a way that people haven't had to be (in 2020 you could have closed your eyes, pointed to a growth stock and had a good chance of doing well) in a long time. "Crowdfunding?" Terrible. There's so many of these services where people think that they're getting in the next big thing when it's really "the stuff everyone else didn't want" in most cases. Plus, no liquidity for a lot of these things so you're going to own it forever or until it goes bankrupt. "Are there ETFs / mutual funds that people can recommend?" Some TRP/Fidelity funds have investments in private companies, but this is generally a very low single digit % of the portfolio. Things like Japanese co Softbank have exposure via their Vision Fund, but for every one of Masa Son's bets that kinda worked, there's a dozen or two others (pizza robots, dog walkers) that did not. He's literally the world's biggest growth yolo gambler with his "300 year vision." Lost nearly everything in the dot.com bust and continues to proceed in the exact same manner.
Commodity trades don't go up and down in straight lines. If you're scared and can't do the volatility then get out. If you're okay with sticking to it but want less volatility then get pipelines like TRP & Enbridge.
You were on r/TRP back in the day huh
Things have been soft as tits here ever since they got rid of TRP.
Here’s my contributions for the past 5 years, I’m putting 7% of each pay into it. I’m using MetLife. Any advice or am I on the right direction? I’m 29 years old and work for a fire department for information with a 60k salary. BlackRock Cpap Frontr MCG Prt Am Funds Gr Fd T Rowe LfCpGr Lms Syls SC Cr Mdcap Stk Indx METRSL2IDX TRP Small Cap Stock Index Am funds G1 Fd All equaling out to 12,909.57. I’m not savvy with any of this stuff I just know I want to retire eventually and have enough money to just work a part time job after 52. If this is bad is there anyway I can transfer my 457 plan to another company who would better help me?