😂😂😂 awesome project and class lecture. Btw u were born In 1995? I did that based on ur numbers for retirement 😅😅😅. Couldn't help myself and do the math. I just thought I'd share that.
Target Date funds are great especially for non-financial nerds. Only thing I would recommend is to pick a target date 5-10yrs longer than when you want to retire this way the fund stays 80-90% equities longer especially considering prime earning years for most college grads are 40-50 and most target date funds start dropping equities by 5% each year after age 40 and equities is what's going to drive your portfolio's growth.
Good call especially for your Roth IRA which due to its specific advantages should be drawn last. You might even want to shoot out further if you have a substantial 401k or Standard brokerage.
@@theBear89451how can you buy it ? I heard a lot about it. But not really sure that I can buy it where i live ( kazakhstan ) google search didnt give much answers.
I will always appreciate how much you talk about this. I used to be so afraid that I would never understand investing, but this channel has really helped to build my knowledge and confidence. You're helping so many people understand something that could change their life, and I'm so thankful for that. You've helped relieve a LOT of my anxieties about the future
My strategy has always been to invest half of my income into my portfolio at the beginning of each month. The second part of my strategy is not to sell for at least 5 years, but recently my portfolio has suffered major decline about $65k in losses. What can I do please?
Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. which may reduce your dividend gains or income, speaking to a certified market strategist can help with pointers
Thanks for sharing. I curiously searched for Heather Ann Christensen and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
‼️ a mistake soooo many people have and are currently making 😭 ✅ they open + fund a Roth IRA ❌ but they think it’s automatically invested! 🏦 You have to take the extra step to invest the $$$ in something so that it grows over time. 🧐 But what the heck is someone supposed to invest in? A little Apple? A little Microsoft? 🎯 Instead of picking it yourself, a lot of people like to use a Target Date Fund, a fund that’s designed to maximize returns building to the date you’re planning to cash out! Need some extra guidance? Come to my next ✨free✨ investing webinar! DM me or comment “MONEY101” on IG to get on the waitlist! You got this! 👏
I've been considering retirement a lot lately, but I'm not sure if my 401(k) and IRA will provide me with a secure retirement. Even though I've been consistently funding my retirement accounts, the stock market can also be very volatile. About 30% of my*$800K* has been lost in my stock portfolio.
managing your investments within these accounts is just as important as simply having them. For this reason, you require the assistance of a market-savvy specialist for your portfolio.
Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now and I scaked up my portfolio by 45% since Q2
*Kaitlin Rose Sternberg* is my advisor; she can help tailor your retirement plan to your specific needs and risk tolerance. Look her up online to get in touch
Love this! Target date funds are such a good option for so many people! Obviously not enough time to explain it in a YT short, but it is important to understand the glide path for target date funds for a given company - some reallocate towards bonds much more aggressively. I think all of the ones mentioned here are good but I prefer Vanguard because it typically holds stocks for longer.
Honestly the target date fund is the general go to for a lot of jobs if you don't select something and ngl I thought it was legit related to the target store 😂😭.
I doubt you'll see this, but thabk you so much. I watched my mom work herself to death at 3 jobs (i mean that literally, she worked so hard and became so stressed she died) I refuse for that to happen to me. Knowledge is power, so thank you.
This is fantastic advice. I never knew you could do this with a Roth IRA, I'm sure other retirement accounts have similar setups. I have a pension so I don't have to bother with it but the people managing the pension fund do so I hope they know what they're doing.
Yeah this happened to.me... had a whole sit down meeting at my bank and everything and didn't reapize... it was just an account and that I needed to invest the money I put in there... that would have been nice to know. Saw the interest... barely moving... for years before I found out
Oml, you have no idea how long I've searched for an answer like this. I always found answers by financial advisors with tons of jargon and stuff about strate and whatnot, but it was always too complex for my peanut brain to understand.
This site will answer and help millions of people. If you still want a financial advisor (I have three), never put all your eggs in one basket - and they all know about each other. Took me several years to interview and find people to dumb it down for me. Each have roughly a third of my portfolio and all three are invested differently. One is aggressive and risky. It's like Vegas without cocktails. Only invest what you are comfortable losing should your hunch take a dive. So that hasn't happened yet, but it could. I have no living family and no family heirs. So not playing roulette with money that could help relatives - I am the end of the line. All my stuff will end up going to places that are near and dear to me. That one third, if I have an epiphany, I call my person and we have a chat. And move some money around. You need to do what works best for you. If you are not comfortable and don't understand something, ask. If they are short with you, move on. This is a business decision and your money. Don't let anyone make you feel inferior or not intelligent. If they do that, look elsewhere. Like I said, it took time to interview people to find someone that I can work with. Plus I am semi retired, and still working a fun part time job. So a very different scenario than what is depicted here. She is playing to a younger audience - however, anyone can learn from her and that will get people thinking. Make your money work for you. Hope this helps, thanks for reading.
Target date funds are okay, you really wanna look at the s&p 500 index fund, total market fund, total market international fund, and then a fund that has the top companies internationally
This is sooooo helpful! I didn't realize for 2 YEARS that my money was not invested. Literally found out yesterday. I thought I was doing the right things but these are the financial literacy skills that I'm still building. I am def going to do exactly what you said!😊
Erin, I've only just learned from your vids that i need to actively invest my retirement fund from you. And this vid helps explain what kind of investment. Need more input!
Hi Erin, thank you for sharing your video about investing! I'm curious about how to diversify the portfolio across different asset classes and sector and am looking forward to joining your webinar and learning more from you! 😺🧡
The saddess thing is that being a millionaire at retirement wouldnt be enough with inflation eating away at it. Like imagine 30-40 years from now, a role of Oreos would be like $15 and rent would be in the thousands per week, not hundreds...now imagine living 30 years more on just 1 million...
Oh my god @AdviceWithErin i just love you. Love love loooove your content. You are literally my internet big sister. I am struggling to find a job right now and I hope one day I will reach my goal
Hey, thank you SO MUCH for posting this - I was like, "heck, gotta check my accounts now!!!!" And I did, and everything was invested (yay!) But since I was logged in already, I added more money from my savings that I'd been waiting to invest, and then immediately invested that! And I looked in to a bunch of smaller companies to invest in in the field I work in and understand well, to have a little fun while I'm at it! Thank you!!!!!!
Erin… one thing that would help your audience to go along IRAs is the difference between a mutual fund and an ETF. As a Finance/Accounting major, it’s important to give everyone to be successful before it’s too late. Keep up the good work.
A target date fund is a good idea because it will change up your investment mix automatically based on your age. the younger you are the more risk the older you are the less risk etc....
@@nietur You are correct, risk means volatility. when you are younger volatility in the market is fine but as you approach retirement you likely want to limit your exposure to volatility so you may move more of your portfolio into something like bonds.
if you’re younger (like her age) buying individual stocks is recommended. The older you get the less risk you should take on. (told from a Atlanta analyst)
Okay so you gave a bunch of examples for brokerages in this video, but how does one evaluate that? Like how do you pick the one that's best for you, what do you look for?
I’m a big finance nerd and have never heard of a Target Date Fund. Turns out there’s none in Canada. There was the first one ever in Jan 2023, but by April 2023 they closed shop.
I really sympathize with the “just tell me what buttons to push” because investing is just one of those things that no matter how hard I study it, it doesn’t make any damn sense 😂
Hey, Erin. I am 19 year old medical student from Russia and I am intended to move to US and go to medical school there. Thank you so much about helping me to take notes here and there because it will help me when I am on my own (if I will succeed and escape my country)
What I have learned about buying stock. This is an example, what do people use most, which must be replaced (paper products for the bathroom, cleansers) next what do people purchase that's the new and improved version (cell phones, computer, electronics ), what do people invest for long term, a house. I look at what is consistently a must have, and what people are buying as a whim, along with products increasing in price. It's a slow growing process investing a little here a little there.
Ah, thank you. I'm fortunate that my individual stocks have mostly been doing well in my ROTH, I knew there was something safer to get into, but I didn't know what.
Max out the Roth as much as you can when you are young or in the lowest tax bracket because the money will grow tax free and you don't pay taxes on it when you withdraw it since you paid tax before you invested it. Later if you are in a higher tax bracket you can switch to a regular 401k if you want to defer taxes. Also don't forget about investing in an HSA if your company offers it with your medical insurance. You can also invest that money like a Roth and withdraw it tax free as long as it is for medical expenses, including Medicare premiums when you retire.
Im still a young teen,but my knowledge of business and money just sucks,I’ve been following u for awhile now,even tho i dont need to know rn but hey!atleast i learn something! :D
Initially, my ROTH 401K was automatically investing in a 2065 retirement date fund. I reallocated all my investing to higher risk, higher yield cap funds. It is returning better growth for now. I will back off the risk in the last few years before retirement.
I'm not a financial professional, but wouldn't recommend target date funds. From my experience they seem too conservative. That said, if your uncomfortable with higher risk that might be what to want even if your returns are lower. I think an s&p 500 index fund or total market index fund is better. Eventually you can start moving to bonds when you get closer to retirement
Not bad advice. Better than not investing of course, but a target date fund tends to move out of stocks and into “safer” investments as you get closer to retirement. And this in itself brings the risk of not getting a high enough return. So, definitely an option, but a lot of people nowadays are moving away from these funds and staying with a passive tracker and accepting the highs and lows because even if you retire at, say 60 years old, you’re not going to take it all out at the same time. It still needs to grow even after retirement…
Man.. i have a similar conundrum. I switched over my retirement funds to my new individual roth ira but now i have to decide how much goes to SMP 500, how much goes to a target date fund and how much goes to an ESG fund 😢 im not very good at finance but im trying my best.. thank you for your informative videos ❤️
Watch the full video on my instagram ❤ instagram.com/AdviceWithErin
Thank you ❤
What if you are retired already and want to grow your 401k?
😂😂😂 awesome project and class lecture. Btw u were born In 1995? I did that based on ur numbers for retirement 😅😅😅. Couldn't help myself and do the math. I just thought I'd share that.
You’re born 1995!
you are helping so many young people secure their futures! thanks erin!!
But she is a woman
@@Screech911 That's irrelevant.
@@Screech911huh!? She’s a person and she’s spitting facts.
@@Screech911fuckin so?? Lmao
@@Screech911but your a loser
"What button to press." - Me in real life 😂😂😂
😂 me too
Target Date funds are great especially for non-financial nerds. Only thing I would recommend is to pick a target date 5-10yrs longer than when you want to retire this way the fund stays 80-90% equities longer especially considering prime earning years for most college grads are 40-50 and most target date funds start dropping equities by 5% each year after age 40 and equities is what's going to drive your portfolio's growth.
Just go with a S&P500 index fund until you're 10 years from retirement. They tend to have very minimal fees.
Good call especially for your Roth IRA which due to its specific advantages should be drawn last. You might even want to shoot out further if you have a substantial 401k or Standard brokerage.
K@@TyKOmain
This is a good idea because I find target date funds too conservative
Thank you I was wondering what the heck to do with Roth IRAs!
Don't listen to this video. Instead, pick S&P 500 2X Leverage.
@@theBear89451as someone who knows literally nothing about this could you please give a reason why
Do more research
This is your retirement, don't take it lightly
@@ab3040 ...that was why i was asking a question
@@theBear89451how can you buy it ?
I heard a lot about it. But not really sure that I can buy it where i live ( kazakhstan ) google search didnt give much answers.
I will always appreciate how much you talk about this. I used to be so afraid that I would never understand investing, but this channel has really helped to build my knowledge and confidence.
You're helping so many people understand something that could change their life, and I'm so thankful for that. You've helped relieve a LOT of my anxieties about the future
Yes! I LEARNED 401K from her using that skittles/m&m analogy ❤
So you're 27 or 28 and already know so much more than I do at 59. Well done, young lady!
I love your channel so much and you've helped me loads!
My strategy has always been to invest half of my income into my portfolio at the beginning of each month. The second part of my strategy is not to sell for at least 5 years, but recently my portfolio has suffered major decline about $65k in losses. What can I do please?
Look for stocks that have paid steady, increasing dividends for years (or decades), and have not cut their dividends even during recessions. which may reduce your dividend gains or income, speaking to a certified market strategist can help with pointers
Stay invested . That’s it
Thanks for sharing. I curiously searched for Heather Ann Christensen and her website popped up after scrolling a bit. I looked through her credentials and did my due diligence before contacting her. Once again many thanks.
‼️ a mistake soooo many people have and are currently making 😭
✅ they open + fund a Roth IRA
❌ but they think it’s automatically invested!
🏦 You have to take the extra step to invest the $$$ in something so that it grows over time.
🧐 But what the heck is someone supposed to invest in? A little Apple? A little Microsoft?
🎯 Instead of picking it yourself, a lot of people like to use a Target Date Fund, a fund that’s designed to maximize returns building to the date you’re planning to cash out!
Need some extra guidance? Come to my next ✨free✨ investing webinar! DM me or comment “MONEY101” on IG to get on the waitlist!
You got this! 👏
Hi! Love your video. Do you think you could do an elevator pitch example?
Target date funds do not "maximize returns". These are designed to reduce volatility going into retirement.
When is the webinar??
We’re do you go to get a Roth IRA?
@@kac9334you can open them in places like JPMorgan, Fidelity or E Trade where there are zero fees to open (there may be other fees associated).
I've been considering retirement a lot lately, but I'm not sure if my 401(k) and IRA will provide me with a secure retirement. Even though I've been consistently funding my retirement accounts, the stock market can also be very volatile. About 30% of my*$800K* has been lost in my stock portfolio.
managing your investments within these accounts is just as important as simply having them. For this reason, you require the assistance of a market-savvy specialist for your portfolio.
Having an investment adviser is the best way to go about the stock market right now, especially for near retirees, I've been in touch with a coach for awhile now and I scaked up my portfolio by 45% since Q2
*Kaitlin Rose Sternberg* is my advisor; she can help tailor your retirement plan to your specific needs and risk tolerance. Look her up online to get in touch
I looked up her full name online and found her page. I emailed and made an appointment to talk with her.
Love this! Target date funds are such a good option for so many people! Obviously not enough time to explain it in a YT short, but it is important to understand the glide path for target date funds for a given company - some reallocate towards bonds much more aggressively. I think all of the ones mentioned here are good but I prefer Vanguard because it typically holds stocks for longer.
Thank you for teaching me something important that i sure was never told of or taught
I invested my money in a Target date fund. Now i can take you on a date to Target.
Lol. This should be the top comment
Honestly the target date fund is the general go to for a lot of jobs if you don't select something and ngl I thought it was legit related to the target store 😂😭.
I doubt you'll see this, but thabk you so much. I watched my mom work herself to death at 3 jobs (i mean that literally, she worked so hard and became so stressed she died)
I refuse for that to happen to me. Knowledge is power, so thank you.
Thank you so much for this quick and simple and super helpful explanation of something complicated! You’re the best 😁
This is fantastic advice. I never knew you could do this with a Roth IRA, I'm sure other retirement accounts have similar setups. I have a pension so I don't have to bother with it but the people managing the pension fund do so I hope they know what they're doing.
You can still set up a Roth IRA to supplement your pension.
Yeah this happened to.me... had a whole sit down meeting at my bank and everything and didn't reapize... it was just an account and that I needed to invest the money I put in there... that would have been nice to know. Saw the interest... barely moving... for years before I found out
That's terrible that they didn't explain that to you.
Wow, this was so timely for me. Just opened up my Roth IRA last week, but wasn’t sure about the investment side of it until now. Thank you!!
Oml, you have no idea how long I've searched for an answer like this. I always found answers by financial advisors with tons of jargon and stuff about strate and whatnot, but it was always too complex for my peanut brain to understand.
This site will answer and help millions of people.
If you still want a financial advisor (I have three), never put all your eggs in one basket - and they all know about each other. Took me several years to interview and find people to dumb it down for me.
Each have roughly a third of my portfolio and all three are invested differently. One is aggressive and risky. It's like Vegas without cocktails. Only invest what you are comfortable losing should your hunch take a dive. So that hasn't happened yet, but it could. I have no living family and no family heirs. So not playing roulette with money that could help relatives - I am the end of the line. All my stuff will end up going to places that are near and dear to me.
That one third, if I have an epiphany, I call my person and we have a chat. And move some money around.
You need to do what works best for you. If you are not comfortable and don't understand something, ask. If they are short with you, move on. This is a business decision and your money. Don't let anyone make you feel inferior or not intelligent. If they do that, look elsewhere. Like I said, it took time to interview people to find someone that I can work with. Plus I am semi retired, and still working a fun part time job. So a very different scenario than what is depicted here. She is playing to a younger audience - however, anyone can learn from her and that will get people thinking. Make your money work for you.
Hope this helps, thanks for reading.
These are the tutorials that we all need. They're clear and concise. I appreciate the way you teach.
So many types of investment options but one things common, not in one place on earth do they teach us finances in school.
So glad you put this info out. This happened to me.
You have been very helpful! You're one of the first to explain hiw actual investment works by saying what people have to do!
erin I BEG YOU!! please make a playlist where you put all the videos about finances and investing🙏🙏🙏
Target date funds are okay, you really wanna look at the s&p 500 index fund, total market fund, total market international fund, and then a fund that has the top companies internationally
This is sooooo helpful! I didn't realize for 2 YEARS that my money was not invested. Literally found out yesterday. I thought I was doing the right things but these are the financial literacy skills that I'm still building. I am def going to do exactly what you said!😊
Erin, I've only just learned from your vids that i need to actively invest my retirement fund from you. And this vid helps explain what kind of investment. Need more input!
Wow so grateful for this info!
Hi Erin, thank you for sharing your video about investing! I'm curious about how to diversify the portfolio across different asset classes and sector and am looking forward to joining your webinar and learning more from you! 😺🧡
The saddess thing is that being a millionaire at retirement wouldnt be enough with inflation eating away at it. Like imagine 30-40 years from now, a role of Oreos would be like $15 and rent would be in the thousands per week, not hundreds...now imagine living 30 years more on just 1 million...
I always buy Index funds that centre on in-demand materials and future areas of importance, so renewable energy, metals, water etc.
I was totally this person. So proud I had started it. Invested and not growing anything for a few years!
Index funds are also a nice choice 👍
OMG THANK YOU SO MUCH ERIN!!! I have learned so much from you! I just opened an IRA and did exactly what you said 😊!
I’d do this but I can’t afford to put away extra money. 😭
Planning for retirement when the future is so unstable feels like free falling onto a yoga mat in the clearing of a forest that’s burning. 😞
Oh my god @AdviceWithErin i just love you. Love love loooove your content. You are literally my internet big sister. I am struggling to find a job right now and I hope one day I will reach my goal
Hey, thank you SO MUCH for posting this - I was like, "heck, gotta check my accounts now!!!!" And I did, and everything was invested (yay!) But since I was logged in already, I added more money from my savings that I'd been waiting to invest, and then immediately invested that! And I looked in to a bunch of smaller companies to invest in in the field I work in and understand well, to have a little fun while I'm at it!
Thank you!!!!!!
This video actually helped with the biggest issues i had finding ways to use my roth ira. Thank you erin!!!!
Erin… one thing that would help your audience to go along IRAs is the difference between a mutual fund and an ETF. As a Finance/Accounting major, it’s important to give everyone to be successful before it’s too late. Keep up the good work.
A target date fund is a good idea because it will change up your investment mix automatically based on your age. the younger you are the more risk the older you are the less risk etc....
"Risk" is bank speech for volatility, which does not make sense. Mathematically the best strategy is to go stocks 100%.
@@nietur You are correct, risk means volatility. when you are younger volatility in the market is fine but as you approach retirement you likely want to limit your exposure to volatility so you may move more of your portfolio into something like bonds.
I seriously took 6 months to figure out i needed to turn on investments. I thought i just said yes and I'd happen
A lot of people don’t know this. Good info.
I appreciate you so much Erin!! 🫶
if you’re younger (like her age) buying individual stocks is recommended. The older you get the less risk you should take on. (told from a Atlanta analyst)
My teacher told me to get a RothIRA, but not how
Thank you so much!
Woah ive never heard ANYTHING about these kinds of things! Good to know!!
So many people are so money hungry . It’s so sad
I do tax free saving investments because those are the safest and you never lose your money. With other bank investments you can lose your money .
Okay so you gave a bunch of examples for brokerages in this video, but how does one evaluate that? Like how do you pick the one that's best for you, what do you look for?
Great. I think I’ll follow this target date fund malarkey, and invest my funds in Target and Grindr (I think they do a dating app?). Thanks Erin!
I’m a big finance nerd and have never heard of a Target Date Fund. Turns out there’s none in Canada. There was the first one ever in Jan 2023, but by April 2023 they closed shop.
My company uses fidelity it's super helpful.
Computer algorithms love retail/investors to invest long term.
Omg, thank you for making another video on this❤
Thank you, I did this because of you
Thank you 🙏 for explaining buying the share
"What buttons do I press" 😂😂 thank you for asking that, finally some who shows step by step 😂 thx 😊
ur so smart erin when cloning starts im adding u to my cart
I really sympathize with the “just tell me what buttons to push” because investing is just one of those things that no matter how hard I study it, it doesn’t make any damn sense 😂
I hope there are stuff like this in my country as well...I might have to research ...
Hey, Erin. I am 19 year old medical student from Russia and I am intended to move to US and go to medical school there. Thank you so much about helping me to take notes here and there because it will help me when I am on my own (if I will succeed and escape my country)
Just did all this today!! Felt good
What I have learned about buying stock. This is an example, what do people use most, which must be replaced (paper products for the bathroom, cleansers) next what do people purchase that's the new and improved version (cell phones, computer, electronics ), what do people invest for long term, a house. I look at what is consistently a must have, and what people are buying as a whim, along with products increasing in price. It's a slow growing process investing a little here a little there.
You truly are my big sister
Ah, thank you. I'm fortunate that my individual stocks have mostly been doing well in my ROTH, I knew there was something safer to get into, but I didn't know what.
Diversified portfolios produce average returns. Most of the S&P 500 gains are form the magnificent 7.
not knowing about ETFs is crazy
That’s really helpful. Thank you.
This was perfect, thank you!
That's actually smart
I have a Target date fund... to fund my Target shopping dates. It is an investment in a way- an investment in my happiness!
Gotta watch them. Some have a return that doesnt even out perform inflation.
Did anybody else get mind blown of the thought of “2060”??
Max out the Roth as much as you can when you are young or in the lowest tax bracket because the money will grow tax free and you don't pay taxes on it when you withdraw it since you paid tax before you invested it. Later if you are in a higher tax bracket you can switch to a regular 401k if you want to defer taxes. Also don't forget about investing in an HSA if your company offers it with your medical insurance. You can also invest that money like a Roth and withdraw it tax free as long as it is for medical expenses, including Medicare premiums when you retire.
Target date funds can often have higher expense ratios
Im still a young teen,but my knowledge of business and money just sucks,I’ve been following u for awhile now,even tho i dont need to know rn but hey!atleast i learn something! :D
Initially, my ROTH 401K was automatically investing in a 2065 retirement date fund. I reallocated all my investing to higher risk, higher yield cap funds. It is returning better growth for now. I will back off the risk in the last few years before retirement.
The fund part is choosing who you're gonna to take to Target.
Ty FINALLY!!
I'm not a financial professional, but wouldn't recommend target date funds. From my experience they seem too conservative. That said, if your uncomfortable with higher risk that might be what to want even if your returns are lower. I think an s&p 500 index fund or total market index fund is better. Eventually you can start moving to bonds when you get closer to retirement
Yup. Pick a year, dont look at it every day.
Girl I need this help financially but for the UK
You can also work with ETFs with dividends
Ahhhhh wish I learned this type of stuff in school, just freaking winging it at this point.
What buttons do i press is just so true 😂😂😂❤❤❤❤❤
Risk is risk no matter what.
youre literally an angel❤️❤️❤️
This is awesome!!!!
Omg 'how do I do that? What buttons do I preas', sorry I lost it, sounds just like me 😂
For those born in 1960 or later, the retirement age was changed from 65 to 67.
Maintenance fees are pretty high on those funds
Right now, if you just let your money sit in the SPAXX, which is based off of treasury bonds, you're netting 5% compounding interest just by holding.
Not bad advice.
Better than not investing of course, but a target date fund tends to move out of stocks and into “safer” investments as you get closer to retirement. And this in itself brings the risk of not getting a high enough return.
So, definitely an option, but a lot of people nowadays are moving away from these funds and staying with a passive tracker and accepting the highs and lows because even if you retire at, say 60 years old, you’re not going to take it all out at the same time.
It still needs to grow even after retirement…
These vids help so much
Thank god for RRSPs in Canada that you can have the bank auto set up ❤
Thanks for the guide 😊
Much like NPS in India.
Indians... What Erin is saying about Roth IRA parallely applies to NPS tier 1 and 2. So go ahead and invest
YESSS THANK YOUUUU😭😭
She's explaining mutual fund of India 😂
Man.. i have a similar conundrum. I switched over my retirement funds to my new individual roth ira but now i have to decide how much goes to SMP 500, how much goes to a target date fund and how much goes to an ESG fund 😢 im not very good at finance but im trying my best.. thank you for your informative videos ❤️
“Yes- that! How do I do that! What buttons do I press!” Lol me always