19

Hi,

I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.

For context:

Both Roth IRAs are already maxed separately (not included below).

I’m aiming for long-term growth, tax efficiency, and some liquidity.

Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)

Here is the percentage-only breakdown of my current plan: (50k to play with with 30 years of investment left at a current 22% bracket)

Account Type % Distribution

Employee 401(k) – Traditional 17%

Employee 401(k) – Roth 5%

Employee 403(b) – Traditional 17%

Employee 403(b) – Roth 5%

Employee Stock Purchase Plan

(10% discount sell immediately

add to next year ROTH IRA) 33%

High-Yield Savings Account. 5%

Taxable Brokerage Account 17%

Total: 100%

My main questions:

Should I shift more toward brokerage or retirement accounts?

Would you rebalance Traditional vs Roth differently?

Other that I am missing?

Any feedback is welcome! 🙏🏻

-14
submitted 1 week ago* (last edited 1 week ago) by daguma118@lemmy.zip to c/nostupidquestions@lemmy.world

Hi,

I’m planning out my 2026 savings/investing strategy and would love feedback on whether this allocation makes sense or if I should rebalance.

For context:

Both Roth IRAs are already maxed separately (not included below).

I’m aiming for long-term growth, tax efficiency, and some liquidity.

Employer retirement accounts include a mix of Traditional and Roth with matches (2 jobs)

Here is the percentage-only breakdown of my current plan: (50k to play with)

Account Type % Distribution

Employee 401(k) – Traditional 17%

Employee 401(k) – Roth 5%

Employee 403(b) – Traditional 17%

Employee 403(b) – Roth 5%

Employee Stock Purchase Plan

(10% discount sell immediately

add to next year ROTH IRA) 33%

High-Yield Savings Account. 5%

Taxable Brokerage Account 17%

Total: 100%

My main questions:

Should I shift more toward brokerage or retirement accounts?

Would you rebalance Traditional vs Roth differently?

Other that I am missing?

Any feedback is welcome! 🙏🏻

[-] daguma118@lemmy.zip 23 points 2 weeks ago

Can we please begin to vote for a third party? Mexico did it…. Why not us?

158
submitted 3 weeks ago* (last edited 3 weeks ago) by daguma118@lemmy.zip to c/worldnews@lemmy.ml

Who would have thought that playing nice with other countries would be beneficial.

283
submitted 3 weeks ago* (last edited 3 weeks ago) by daguma118@lemmy.zip to c/world@lemmy.world

If this happens I hope this is the straw that broke the camel’s back

[-] daguma118@lemmy.zip 3 points 3 weeks ago

For me I had so much issue actually making an account, I almost gave up. I think it is cool how Lemmy looks, very simple and very direct, but it does need a bit of more user experience.

[-] daguma118@lemmy.zip 3 points 3 months ago
  1. Check the world bank statistics. Or you’ll tell me that Morena made it up? https://documents.worldbank.org/en/publication/documents-reports/documentdetail/099911301062539606

  2. Inflación is everywhere. Mostly caused by uncertainties in the market by the orange guy. Even with it, Mexico is still has kept it down in comparison

  3. im starting to think nothing will change your mind, that everything Morena does will be bad.

  4. Yes infrastructure. Like: refineria, tren maya, tren transoceánico, AIFA (doesn’t flood you monkey) etc…. Now tell me what did previous governments do?

& yes Samsung and other companies like Electra need to pay TAXES. If not, what stopping others from not paying as well. Who do you think we are the USA?

https://mexicobusiness.news/tech/news/samsung-seeks-dialogue-sat-over-immex-tax-dispute

[-] daguma118@lemmy.zip 2 points 3 months ago

Tranquilo viejo. Si fue lamentable que agarraron y soltaron a el hijo del chapó, pero ya está en custodia. Pero si te das cuenta por qué? Estaban matando civiles. Pero como me imagino que no estabas en Culiacán, pues dijiste chsm que maten a todos.

Si quieres hable de corrupcion, checate a el PRIAN. Checate por que calderón declaró la guerra a el narco, quien es Genaro Garcia Luna, gasolinasos, casa blanca, etc.

406
submitted 3 months ago by daguma118@lemmy.zip to c/politics@lemmy.world

The government shutdown is delaying proceedings in Congress’ investigation into Jeffrey Epstein, affecting a measure to require the release of files in the possession of the federal government and holding up testimony from key figures.

[-] daguma118@lemmy.zip 7 points 3 months ago

Idk why the quotations since this was never said.

Yes cartels (which are funded by the US) do have a big influence in Mexico, but no MORENA isn’t friendly to the drug cartel.

They understand that going into blood battles against them doesn’t improve it. ( which happened in previous governments) Instead they are targeting the root cause like:

  1. taking 11 million Mexicans out of poverty,
  2. increased salaries
  3. education grants
  4. infrastructure, etc.

their actual slogan is: “abrazos no balazos” which means hugs instead of bullets.

They understand that most don’t joins cartels out of fun, but need.

[-] daguma118@lemmy.zip 9 points 3 months ago

What are you talking about?? You clearly don’t live in Mexico and just hear US propaganda/ Telemundo/ tv azteca which is the same.

  1. This wasn’t staged. Sadly there are men like this in Mexico
  2. carlos M. tragedy is begin blow out proportion by the media to decrease approval and have the elite funded parties rise again or use it as an excuse so the use can US can invade Mexico.

This shit happened way more in previous governments and never heard about it.

[-] daguma118@lemmy.zip 19 points 3 months ago

And with 0 evidence

[-] daguma118@lemmy.zip 39 points 3 months ago

He’s not going for cartels, the US supplies cartels with weapons and gives drugs to the US. That’s their cash cow!

He is going because the political parties the US funds in Mexico are loosing popularity and they need to interfere before it’s too late.

[-] daguma118@lemmy.zip 25 points 3 months ago

He’s already doing it to Venezuelas fishing boats, without any evidence of them carrying drugs.

[-] daguma118@lemmy.zip 3 points 3 months ago

Wanted to join???…. They are the main contributors to the drug cartels in Mexico!

[-] daguma118@lemmy.zip 6 points 3 months ago

Completely agree

[-] daguma118@lemmy.zip 3 points 3 months ago

Already has bombed multiple fishing boats on the excuse of “drug trafficking” without any evidence.

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daguma118

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