Are there any 529 plans that don't charge a management fee? Being lazy and coming right here after about 3 minutes of research. I am surprised Schwab, who I usually use, charges a management fee and my state sponsored plan charged a roughly similar fee of ~0.3%. I find this to be bullshit since I would just leave it in passively managed funds... is there a 529 where I simply select the investments myself and there is no management fee? I would surprised if there wasn't a state sponsored plan out there that charged no management fees, so wondering if someone has found this elsewhere.
Utah’s has like a 0.1% admin fee with great investment options. A good choice if you don’t get a state tax break for using your state’s official plan.
2025 limit changes (2024 in parenthesis): 401(k), 403(b), 457 - $23,500 ($23,000) IRA - $7000 (no change) HSA - Single - $4300 ($4150), Family - $8550 ($8300) https://www.irs.gov/newsroom/401k-limit-increases-to-23500-for-2025-ira-limit-remains-7000
I saw an article that said “only 14% contribute the max to their 401(k).” No way that’s true, right? Seems way too high to me.
Lots of the younger generations do not want the responsibilities of home ownership in regards to home repairs & rountin maintenance. They had rather call their landlord to deal with these things. They also like the ability of moving more easily.
Lots of younger people have convinced themselves that’s what they want because the reality of home ownership is so far fetched
He can be as weird as he wants if his stock performs the way it has. I think he’s crazy intelligent and an incredible allocator of capital. I’m fairly sure I couldn’t have normal conversations with him because I’m not remotely in his league intellectually.
So how are we gonna play this? Dereg and corporate tax cuts will juice the market to start but long term with mass deportation, tariffs and a more isolationist approach resulting in less good talent coming here, feels like we are in for some pain. I’ve never bought any of the international ETFs but I have a ton of treasuries I’d like to offload before Elon defaults on our debt. VXUS the standard?
Mass deportations won’t happen IMO without major changes. He really didn’t deport that many from the interior his first term. It’ll be costly and don’t think ICE has the manpower to deport millions.
John Oliver had a segment on it a few weeks ago. It’s logistically impossible, never mind the economic devastation it would cause. It’s likely “Build the Wall 2.0” but an insane and scary proposition nonetheless.
My number 1 concern from a purely investment perspective is his damn Tarriffs. Those have outright led to bankruptcy of a lot of American companies, and crushed consumers at the register on those items. I hope he leaves that shit alone
I imagine he'll use them largely as a corrupting influence, be nice to him, feed him money, and he'll exempt you classic authoritarian control
This and it was just bluster that dumb voters ate up because they have no understanding of how tariffs actually work.
The best hope for the country is Trump not doing what he said he would do. Tbh tariffs are pretty far down in the list of things I’m worried about. The people he brings in want to do terrible things to poor people they don’t want to crash the economy
So with new regime approaching that pinky promises to cut spending and fed spending is like 25% of GDP, does the line still go up or do we get DXY to 200?
We have a woefully inadequate number of prisons to round up 13 million people. American exceptionalism, y’all.
Maybe being 2 years ahead of Ken Griffin on PLTR will get me one of those $450,000 a year internships
Blimpie shot up to over a 1,000 locations in the mid 90's, there's about 150 of them today. Restaurants are about as bad as altcoins and biotech stocks. The Mets will be serious contenders before Cava ever will.
I like Cava but once a month I have a moment where I miss Zoe’s. They could’ve kept a few of those items at Cava and I’d be there twice a week.
Cava has kept me from gaining 30 pounds this summer. Been traveling a lot and been eating there like once or twice a week. Really wish we had one here. Had no idea it was publicly traded
One meal once or twice a week has kept you from gaining 30 pounds? Give yourself credit for being disciplined, bud.
delicious and reasonably easy to be healthy places in the fast food game is indeed fantastic forever it was just Panera, which was over priced cafeteria food
If they follow every other company in the history of capitalism it will probably start to suck in about 3 years. The investors will get too greedy and demand operating cost cuts and they'll expand too much and have to live with lower quality ingredients
chipotle and sweet green style spots just evaporating large portions was sad 0% interest environment led to some really dumb companies trying to build market share while losing money for long periods of time
Cava needs to get that CFA consistency, quality varies wildly by location - and they’re always out of shit.