Row 38823

Row ID: 38823 | Dataset Entry | Axioma AXP Content Repository

Content Data

This page contains data entry 38823 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

I am very new to investing, and invested before really doing much research, and would like some feedback/suggestions.

I have a Roth IRA with \~$21k in it (contributing $200/month), For a while it was 'managed' through my bank (Chase), but all they did was buy VHIAX (about $6600 now) and it has performed well, but it has a pretty high expense ratio, 1.14%. Eventually my account got reclassified as 'self directed' and I had $10k in cash in it (big dumb moment, I didn't realize it was self directed for far too long, oh well), so I invested 1K each in 10 different mutual funds, all of which have performed well, most have expense ratios <.1% but a few are \~.45%, would it better to sell those for ones of a lower %?

Also in the Roth, I have \~$2800 of JEPAX, which I got because it had a monthly dividend, at \~6% yield, but its expense ratio is .85%. But it seems people aren't so hot on dividend focused funds.

In a normal investing account, I got $1500 of AGUAX, because it has a 30 day yield of 14%, and 1 year of 9%, and has generally been trending upwards in value, though it has a expense ratio of 1.42%. Was this a bad idea to get?

Finally, in a HYSA I have $16k, getting 4.4%.

I am a pretty risk adverse person, but I am 32 now, so I am more tolerant of risk in my retirement account. For the short term, I am trying to save up \~$25k to get a new car, and am putting $500/month towards that, earmarking the HYSA and normal investing account towards this goal.

I am in US, no debt, employed at $74k/year (I spend too much money on random stuff, working on that).

Hopefully my rambling above makes sense, and thanks for any advice.

FieldValue
text I am very new to investing, and invested before really doing much research, and would like some feedback/suggestions. I have a Roth IRA with \~$21k in it (contributing $200/month), For a while it was 'managed' through my bank (Chase), but all they did was buy VHIAX (about $6600 now) and it has performed well, but it has a pretty high expense ratio, 1.14%. Eventually my account got reclassified as 'self directed' and I had $10k in cash in it (big dumb moment, I didn't realize it was self dire…
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-22
username_encoded Z0FBQUFBQm5Lak1MaTNzZ3ZLMTVLelI0MGRMaVNVWjlPVzJ5aWRQUXphQTN1aERIREdtM3JiVkF2UkVQSVhKVmRGOGYwU3lXSzlkWVI2NzRsYTBaaGUwd0Z1Y0gyd2RaYXc9PQ==
url_encoded Z0FBQUFBQm5Lak9hclRMaTY2N2tfNnNHdWU2ZnRWeWhULTFCQlJUa0VMbk1ra0JFTVFqSEdfdjZvNnNLMzNsc0tfN3otX010cWg2ZnRNeTdXcVVBQXJOQ0NjemlxRWxZZzU0WXN1b3IzdnFkT2tHbWt4SHFBYXdjTTRJWkVMeEI1azlJUF8ySjBkbENyUnNjOUZzZ1Rvc0g4cXByelRrSUlyWUhLRmFMVHpOQ3dVQTd6NmNmdy0tOUJySTRnNE9yUXBuV3VxN3lZWXhadi10S3NuaEJRR242UE1rdV91Zzc2UT09

Raw Record

{
  "text": "I am very new to investing, and invested before really doing much research, and would like some feedback/suggestions.  \n\nI have a Roth IRA with \\~$21k in it (contributing $200/month), For a while it was 'managed' through my bank (Chase), but all they did was buy VHIAX (about $6600 now) and it has performed well, but it has a pretty high expense ratio, 1.14%.  Eventually my account got reclassified as 'self directed' and I had $10k in cash in it (big dumb moment, I didn't realize it was self directed for far too long, oh well), so I invested 1K each in 10 different mutual funds, all of which have performed well, most have expense ratios <.1% but a few are \\~.45%, would it better to sell those for ones of a lower %?  \n\nAlso in the Roth, I have \\~$2800 of JEPAX, which I got because it had a monthly dividend, at \\~6% yield, but its expense ratio is .85%.  But it seems people aren't so hot on dividend focused funds.\n\nIn a normal investing account, I got $1500 of AGUAX, because it has a 30 day yield of 14%, and 1 year of 9%, and has generally been trending upwards in value, though it has a expense ratio of 1.42%.  Was this a bad idea to get?  \n\nFinally, in a HYSA I have $16k, getting 4.4%.\n\nI am a pretty risk adverse person, but I am 32 now, so I am more tolerant of risk in my retirement account.  For the short term, I am trying to save up \\~$25k to get a new car, and am putting $500/month towards that, earmarking the HYSA and normal investing account towards this goal. \n\nI am in US, no debt, employed at $74k/year (I spend too much money on random stuff, working on that).\n\nHopefully my rambling above makes sense, and thanks for any advice.",
  "label": "r/investing",
  "dataType": "comment",
  "communityName": "r/investing",
  "datetime": "2024-05-22",
  "username_encoded": "Z0FBQUFBQm5Lak1MaTNzZ3ZLMTVLelI0MGRMaVNVWjlPVzJ5aWRQUXphQTN1aERIREdtM3JiVkF2UkVQSVhKVmRGOGYwU3lXSzlkWVI2NzRsYTBaaGUwd0Z1Y0gyd2RaYXc9PQ==",
  "url_encoded": "Z0FBQUFBQm5Lak9hclRMaTY2N2tfNnNHdWU2ZnRWeWhULTFCQlJUa0VMbk1ra0JFTVFqSEdfdjZvNnNLMzNsc0tfN3otX010cWg2ZnRNeTdXcVVBQXJOQ0NjemlxRWxZZzU0WXN1b3IzdnFkT2tHbWt4SHFBYXdjTTRJWkVMeEI1azlJUF8ySjBkbENyUnNjOUZzZ1Rvc0g4cXByelRrSUlyWUhLRmFMVHpOQ3dVQTd6NmNmdy0tOUJySTRnNE9yUXBuV3VxN3lZWXhadi10S3NuaEJRR242UE1rdV91Zzc2UT09"
}
Explore Dataset Explore Row

Entry Information