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So 90% of my portfolio is in a World Index Fund
What are your allocations for let’s say satellite positions?
Is it worth splitting across some Mag 7s? A niche ETF? Specific stocks?
90% world ETF
2.5% Google
2.5% Amazon
2.5% SMH
2.5% DRAM
Thoughts? I’m curious to see what others have? 100% in World? completely flipped the allocations? Please share thanks.
Also any advice on whether to hold gold or not?
Looking to invest 30 years min.
#business
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What are your allocations for let’s say satellite positions?
Is it worth splitting across some Mag 7s? A niche ETF? Specific stocks?
90% world ETF
2.5% Google
2.5% Amazon
2.5% SMH
2.5% DRAM
Thoughts? I’m curious to see what others have? 100% in World? completely flipped the allocations? Please share thanks.
Also any advice on whether to hold gold or not?
Looking to invest 30 years min.
#business
source
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TORN: SFA Supply Chain vs. SFA Pricing Analyst - what would you pick?
Hey everyone, I’m currently stuck between two job offers and feeling super anxious about making the wrong call. Would love some neutral perspective from people in finance/analytics!
**Offer 1: Mid-Sized Consumer Goods Company (Sr. Financial Analyst - Supply Chain)**
* **Base & Bonus:** $105,000 base + 10% target bonus (\~$10.5k). Eligible for a prorated Q4 bonus (\~$2.6k) and early 2027 merit raise.
* **Work Setup:** Remote with optional 1–2x/month office visits.
* **Scope:** Supply chain/operational FP&A (COGS, inventory, logistics, manufacturing margins). Private equity-backed CPG environment.
* **Key Benefits & Perks:**
* **Medical & Health:** Comprehensive Medical, Dental, and Vision coverage + High-Deductible Health Plan (HDHP) option featuring a **$1,000 employer seed contribution directly into an HSA**.
* **Wellness & Lifestyle:** **$250 annual gym/fitness reimbursement credit** \+ **Summer half-day Fridays**.
* **401(k):** 50% match up to 6% with a fast **3-year vesting schedule** (66% vested after Year 2).
* **Paid Time Off:** 17 vacation days + 5 sick days + 11 paid holidays.
* **Parental Leave:** 15 weeks paid maternity leave / 2 weeks parental leave.
**Offer 2: Global Market Data & Analytics Firm (Senior Pricing Analyst)**
* **Base & Bonus:** $100,000 base (currently asking for flexibility, waiting to hear back). 5% target bonus, BUT $0 for 2026 due to passing their Sept 30 cutoff. First merit raise isn't until late 2027.
* **Work Setup:** Remote.
* **Scope:** Commercial deal pricing, revenue analytics, client contract margins.
* **Key Benefits & Perks:**
* **Medical & Health:** Standard Medical, Dental, and Vision insurance plans with employer contribution options toward an HSA.
* **401(k):** 50% match up to 6% with a slower **5-year vesting schedule**.
* **Paid Time Off:** Flexible Time Off (FTO) policy + 13 paid holidays + 4 "Me Days".
* **Stipends:** $50/month BYOD technology stipend.
* **The Catch:** They expedited my interview process and pushed my start date specifically because they are underwater on urgent deliverables right now.
**My Dilemma:**
* **Money/Benefits:** Offer 1 gives me \~$15k+ more in total cash value in Year 1, better 401(k) vesting, a $1,000 HSA seed contribution, a $250 gym credit, and higher ongoing bonus potential.
* **Work-Life Balance:** Offer 2’s rush to onboard me due to "urgent deliverables" feels like an immediate burnout flag, but part of me feels guilty because they moved so fast to make an offer.
* **Career Direction:** I’m low-key burnt out on standard corporate expense/variance FP&A. Offer 1 is operational Supply Chain FP&A (which feels more tangible/useful), while Offer 2 is a total pivot into Commercial Pricing.
Am I crazy for leaning toward Offer 1 just to take the higher pay/safer WLB while I figure out my long-term path? Is Pricing worth taking $15k less for if I want to break out of traditional finance?Both teams are amazing and love them both.
Appreciate any thoughts or reality checks!
#business
source
Hey everyone, I’m currently stuck between two job offers and feeling super anxious about making the wrong call. Would love some neutral perspective from people in finance/analytics!
**Offer 1: Mid-Sized Consumer Goods Company (Sr. Financial Analyst - Supply Chain)**
* **Base & Bonus:** $105,000 base + 10% target bonus (\~$10.5k). Eligible for a prorated Q4 bonus (\~$2.6k) and early 2027 merit raise.
* **Work Setup:** Remote with optional 1–2x/month office visits.
* **Scope:** Supply chain/operational FP&A (COGS, inventory, logistics, manufacturing margins). Private equity-backed CPG environment.
* **Key Benefits & Perks:**
* **Medical & Health:** Comprehensive Medical, Dental, and Vision coverage + High-Deductible Health Plan (HDHP) option featuring a **$1,000 employer seed contribution directly into an HSA**.
* **Wellness & Lifestyle:** **$250 annual gym/fitness reimbursement credit** \+ **Summer half-day Fridays**.
* **401(k):** 50% match up to 6% with a fast **3-year vesting schedule** (66% vested after Year 2).
* **Paid Time Off:** 17 vacation days + 5 sick days + 11 paid holidays.
* **Parental Leave:** 15 weeks paid maternity leave / 2 weeks parental leave.
**Offer 2: Global Market Data & Analytics Firm (Senior Pricing Analyst)**
* **Base & Bonus:** $100,000 base (currently asking for flexibility, waiting to hear back). 5% target bonus, BUT $0 for 2026 due to passing their Sept 30 cutoff. First merit raise isn't until late 2027.
* **Work Setup:** Remote.
* **Scope:** Commercial deal pricing, revenue analytics, client contract margins.
* **Key Benefits & Perks:**
* **Medical & Health:** Standard Medical, Dental, and Vision insurance plans with employer contribution options toward an HSA.
* **401(k):** 50% match up to 6% with a slower **5-year vesting schedule**.
* **Paid Time Off:** Flexible Time Off (FTO) policy + 13 paid holidays + 4 "Me Days".
* **Stipends:** $50/month BYOD technology stipend.
* **The Catch:** They expedited my interview process and pushed my start date specifically because they are underwater on urgent deliverables right now.
**My Dilemma:**
* **Money/Benefits:** Offer 1 gives me \~$15k+ more in total cash value in Year 1, better 401(k) vesting, a $1,000 HSA seed contribution, a $250 gym credit, and higher ongoing bonus potential.
* **Work-Life Balance:** Offer 2’s rush to onboard me due to "urgent deliverables" feels like an immediate burnout flag, but part of me feels guilty because they moved so fast to make an offer.
* **Career Direction:** I’m low-key burnt out on standard corporate expense/variance FP&A. Offer 1 is operational Supply Chain FP&A (which feels more tangible/useful), while Offer 2 is a total pivot into Commercial Pricing.
Am I crazy for leaning toward Offer 1 just to take the higher pay/safer WLB while I figure out my long-term path? Is Pricing worth taking $15k less for if I want to break out of traditional finance?Both teams are amazing and love them both.
Appreciate any thoughts or reality checks!
#business
source