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cover of episode “I make $150k a year and put $1k into retirement every month. What else should I be investing in?”

“I make $150k a year and put $1k into retirement every month. What else should I be investing in?”

2025/4/11
logo of podcast HerMoney with Jean Chatzky

HerMoney with Jean Chatzky
AI Deep Dive AI Chapters Transcript
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Jean Chatzky
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Jenny Van Leeuwen-Harrington
Topics
Jean Chatzky: 我认为最成功的投资者都关注投资行为而非资产配置或投资标的。 Jenny Van Leeuwen-Harrington: 投资永远不嫌晚，即使是6年时间也足够进行长期股票投资。对于新手投资者，建议构建一个简单的ETF投资组合，并少量投资个股以保持关注。退休投资的时间跨度可能远超预期，应考虑长达30年的退休生活。距离大学入学只有几年时间时，应选择债券等低风险投资。强制最低提款额制度（RMD）并非必须在规定年龄才开始提取，提前提取并无不妥。投资顾问收取1%的管理费且投资回报率仅为1%-3%是不合理的。提取退休资金时，应优先考虑税务影响最小化，而非严格区分账户类型。持续投资和坚持是成功的关键，而非资产配置或投资标的选择。长期投资的复利效应非常显著，应充分利用。建议选择ETF等容易投资且长期回报稳定的投资产品。 Jenny Van Leeuwen-Harrington: 复利效应具有双面性，既能带来巨大收益，也能因错误决策而造成巨大损失。

Deep Dive

Chapters
This chapter discusses whether it's too late to start investing for retirement at 59 and suggests a diversified portfolio of ETFs for beginners. The importance of long-term investment and behavior over specific asset allocation is highlighted.
  • It's never too late to start investing.
  • A diversified portfolio of ETFs (RSP, EFA, VO) is recommended for beginners.
  • Long-term investment and consistent behavior are more important than precise asset allocation.

Shownotes Transcript

This week, we’re bringing back expert investor Jenny Van Leeuwen Harrington) for a special mailbag episode. She’s answering all of your excellent saving and investing questions—from how to start investing outside of a retirement account to making the most of a short college savings window to figuring out which account to draw from in retirement. 

Whether you're just getting started investing or reassessing your strategy later in life, Jenny and Jean break down the decisions that matter most—and remind us that successful investing is more about time in the market than picking the perfect stocks.

Mailbag Questions:

[1:30] “Is 59 too late to open a Roth IRA, and what should I invest in?”

[5:00] “We have 3 teens and not much saved for college yet. Where should we start?”

**[7:30] **“I'm a retiree, and I’d like to start pulling money on a monthly basis. Which account should I pull from first?” 

[11:30] “I make $150,000 a year and put $1,000 into my 401k every month. If I want to retire in 15 years, what else should I be investing in?”

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