Who are you investing through?

[martix_agent]

I'm absolutely not daytrading my Roth. I've got a set percentage of ETFs that I invest in and that's it. Sometimes I have to manually rebalance it a bit to maintain my percentages. I do hate that Schwab won't let me buy portions of a stock, I have to buy it all, or nothing. This leads to some small leftover money hanging around that makes pretty much nothing.

I'm questioning if Robinhood is a stable brokerage. I'll have to keep the fund for 5 years in order to keep the match. I know they're kinda pushy about doing shady things that more more like gambling than investing. This leads me to believe it may not actually be a place for a long term investment to stay.

[mercpb]

From a completely anecdotal POV, RH feels super skeezy to me. I don't see them any more credible than coinbase or draftkings etc.

I mean they're a VC funded brokerage, the odds they go tits up are near nil --- but they def. dont have your best interests in mind. I'm team Vanguard all day, 100% boglehead

[martix_agent]

yea i think i need to get that book. I suspect i'm kinda doing that mostly anyhow.

[flyweightnate]

I recently started trying Wealthfront. Nice home screen allows you to see all your balances internally and externally, and you can allocate different "pots" of money easily for car, house, vacation, etc. without having to go set up a dozen new accounts.

Haven't messed with investments yet, but they're advertising bond ladders and similar. Iirc the backing bank is Swiss, which was interesting.

[BrickHaus]

I have portfolios scattered all over from moving jobs.

I have a Vanguard account. An Ameriprise account, and two empower accounts.

I just let all ride long term, but I will say the empower UI is by far the nicest.

[Blackmagic71]

You could probably roll them all into one single 401k account if you want to simplify things. Might make a pleasant surprise though if you forget about one and it quietly grows for 30 years and pops back up in retirement. 🤣

[martix_agent]

I had an empower 401k at my last job. I didn't hate it either. Now I have Alight for a 401k and it's quite similar to empower.
Think about 401k is that you don't really get to choose it.

[mercpb]

anyone that has orphan 401Ks from previous employers, I'd recommend consolidation ---- you do it via "like kind transfer", IE you move to another broker with no taxable event. The "like kind" phrase is key, anyone you say that to will know what you're trying to do.

I'd consolidate into vanguard or fidelity personally but, you pick your poison.
It shouldnt cost anything (maybe 20 bucks or some nominal fee)

There's an intangible comfort in having it all in one spot, versus 3-4. Mrs Mueller had 4-5 it was exhausting

[flyweightnate]

My wife has some TRA stuff from when she was in a public school... we've been trying to get it transferred, then giving up until next year, for about 5 years now.

TRA has trash returns, too. Less than 3%. But every change has to be done via snail mail, so here we are.

[jetenginekyle]

I'm absolutely not daytrading my Roth. I've got a set percentage of ETFs that I invest in and that's it. Sometimes I have to manually rebalance it a bit to maintain my percentages. I do hate that Schwab won't let me buy portions of a stock, I have to buy it all, or nothing. This leads to some small leftover money hanging around that makes pretty much nothing.

I'm questioning if Robinhood is a stable brokerage. I'll have to keep the fund for 5 years in order to keep the match. I know they're kinda pushy about doing shady things that more more like gambling than investing. This leads me to believe it may not actually be a place for a long term investment to stay.

ive been buying slices with schwab for years, its towards the bottom of the trade tab

[martix_agent]

Oh, it's a completely different section to buy parts of shares? I'm unable to chose that when i'm buying shares in my roth account.

[morkrom]

Looking to invest some extra money we have after the move. I'd like to have it available if needed so I don't want to put it in my retirement account.

Check if your bank offers these services. Less switching between accounts on tax season.