18 year old roth ira portfolio reddit. ) are guaranteed and worth a LOT.

18 year old roth ira portfolio reddit The exact fund depends on which broker holds your Roth IRA. That 401K is in a BlackRock Lifepath Inx 2045 account, and I'm thinking about moving that money over to my Roth IRA, but I'm not sure if that's the right thing to do. Get app Get the Reddit app Log In Log in to Reddit. Currently my Roth IRA and my brokerage account have the same portfolio (70% VTI 30% VXUS). If you don't contribute as much as you can, you miss out on those benefits. It's been 18 years and I am on track to retire with pretty much what you are calculating. Invest, borrow, spend & save with powerful automation—all in place. Advice for Roth IRA for 21 year old I’m looking for advice on my Roth IRA as a 21 year old. While we're on the subject of IRAs, don't forget that this year's contribution limit was raised to $7,000, up from $6,500 in 2023. stick to a three-fund portfolio, rebalance once a year (tax-loss harvest if you can), and in the interim between rebalances use your contributions to move A couple years went by, nothing happened, she went to college and made little money not enough extras to add on to Roth. At 26 time is on your side, who cares about bad performance in the short term (you are still accumulating more shares which can benefit you in the long term). Small Cap in ROTH IRA Portfolio . Investing Questions Focus on your savings rate. Income limits and eligibility may affect how much you can contribute, so don't forget that a tax professional is your best resource if you have questions about your specific situation. It’s over 90% in stocks of which 40% is international. There are much more cost-effective ways to spend your time. Investing ideas for your IRA . I make ~$47k pre-tax, but I live very frugally and plan to max out my 401k and Roth IRA to the best of my ability each year. The caveat is that you needed to open any Roth at least 5 years prior to 59 1/2. Reddit . Open menu Open navigation Go to Reddit Home. Open a Roth. I do this for 30 years, SCHD's Dividend CAGR targets 8-11% growth every year, and I reinvest all dividends every year until retirement. My preliminary portfolio composition would be as follows: 50% VTI 30% VXUS 20% SCHD Do you guys think this is a good idea? Hello, I recently opened roth ira with schwab and need any suggestions regarding the best possible stocks/etfs to select. You'll want to pay extra attention to those numbers to ensure you don't overcontribute. Internet I just turned 20 years old yesterday and I finally opened up a ROTH IRA account with Fidelity. Skip to main content. 19 Year Old Portfolio for Roth IRA. Also it's I would do this in my Roth IRA and max it out (6k), and when I have maxed it out open a brokerage account where I would start investing? Why would you recommend I max my ROTH As the title may suggest: I am currently an 18-year old college sophomore, and I just opened up a Roth IRA account and contributed the maximum $7000 in a lump sum (money I am In a Roth IRA? 100% VT. Only one of them has performed as well as VTI/VTSAX. I plan to use 5k as a start for my Roth IRA while I’m still in my 2 year in the military. 18 year old ROTH IRA I made a post yesterday on this subreddit regarding what kinds of investments would fit my scenario better. Not much, This is a place where you can ask other users for their thoughts on rating your portfolio and how you can buy/change, investment strategies, etc. I am 30 years old with an emergency fund established and no debt, stable job in the medical marijuana field making 65K a year. Hello, I am 20 years old and have had a ROTH IRA with Schwab for a couple years now, with only about $5,800 in it. I am fairly sure the 5 year Roth conversion rule is only if you are less than 59 1/2 years old. What stock or ETF would you recommend me to invest in? Lastly, should I make contributions like $500 x 12-month or $6500 with a single deposit in a year? Source: 31 years old focused on retiring early (or Barista FIRE'ing). Investing around 5k into the ROTH IRA. Please keep in mind that there are income limits for Roth IRA contributions. I’m a 19 year old college student, and my current income is about $300 every 2 weeks, and my goal is to invest $50 every week into my Roth IRA. So far, I have only invested $400 into my Roth IRA and $200 have been solely invested to FSKAX (The fidelity vti equivalent). NEVER TOUCH IT. You need 3 ETFs max. I’m hoping to get some help here. In other words, while a portfolio with 100% equities may maximize absolute return, a portfolio with a 90%/10% asset allocation maximizes risk-adjusted return. Income limits and eligibility may affect how much you can contribute. Roth will probably the last of the investments that you will likely draw upon and thus it will have a very long time to grow. Keep it simple. 15 votes, 24 comments. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. . A place to discuss personal finance for New Zealanders. "Returns" from tax-advantaged space (Trad/Roth IRA, 401k, 403b, etc. Visit the link below for further information on Roth IRAs and the current contribution limits. Compare these to VOO or FXIAX VOO: + 50% in the last Portfolio visualizer has this 3 fund portfolio at: 9. Internet Culture (Viral) 30 Year Old Asset Allocation (401k, Roth IRA, & Brokerage) Hey ya’ll. I'm new to investing at 29 years old. After that age you can convert and withdraw immediately or access anything you converted before 59 1/2 as I read the tax code. All of these portfolios are in a Roth IRA ( contributions maxed every year) AND a Roth solo 401k, as much as I can squirrel away from work income, to avoid taxes. Getting guaranteed benchmark returns at Just opened a Roth IRA as a 19 year old. 12 votes, 40 comments. Add VXUS for international exposure, Hi, so I am 18 years old and recently started a Roth IRA about three weeks ago. So I’ve recently opened a Roth IRA with Fidelity,contributed the maximum and have bought some SPY, and am looking to diversify the portfolio with a highly aggressive approach. 2nd taxable is with M1 (QQQ, VXUS, VXF). 28K subscribers in the portfolios community. Reply reply 18 years old and lookin for advice Investment Ideas for your Roth IRA. Valheim; Genshin Impact; a couple of years now, but definitely not an expert. 5k) Purchase a portfolio like OP. Hi Folks, I just completed a rollover ($7900) to my new Roth-IRA account operated by Robinhood. When it comes to retirement accounts I just prefer a single stock portfolio although I acknowledge the benefits of more funds for balance. Since I opened it last year my Roth IRA is up around 8. Wouldnt it be better to start a roth IRA at your age? ROTH IRA are better for earners at the lower range of their earning potential because you invest money that has already been taxed and I recommend just opening a Roth IRA with Vanguard and use the fund VSVNX. However, for individuals aged 50 and up, there is an additional catch-up contribution of $1,000 allowed (totaling $7,500). View community ranking In the Top 5% of largest communities on Reddit. Those stocks and percentage I am investing in include VTI-52%, VWO-18%, VXUS-20%, and BND-10%. Here is what the Bogleheads site recommends for 3-fund portfolio’s with Fidelity: “With Fidelity, for example, you could construct a three-fund portfolio using: As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Portfolio Review As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Its the growth (130k) that you would get taced for Say the OP contributes $6500 to their Roth IRA every year between ages 19-65. I just opened one, and want to fill it with the $6,500 limit for this year. I would like to enjoy the fruit's of my labor sooner, rather than later. Roth IRA (mix of VEXAX, QQQJ, AAPL, GBTC) and primary taxable is with Vanguard (mix of VXUS, QQQ, VDIGX, TSLA, PLTR). Investing Questions Hello! I have a Roth IRA, and in the past I have been investing in one of vangaurds TDF. I have a decent Emergency Fund and a little bit of savings too. It's their indexed 2070 target date retirement fund, which will give you ALL the diversification you need. Open comment sort options ETF Investment Portfolio hi, I am 18 years old and I’m looking to put $500 into a Roth IRA every single month. A $1,000 catch-up contribution is also available to those 50 or older. Should I continue to stick to this three-fund portfolio route or look into other investments? Great job in starting to invest early. ) are guaranteed and worth a LOT. Always Do The Math Before Contributing To A Roth IRA. It's investing inefficiently and no monthly auto-investing feature. Let's pivot and talk about picking investments. Look up what Thiel did with his Roth and his Paypal stuff. I picked 1975 as an 18 year old back then would be 65 now and around retirement age. Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. SCHD is nice, but not needed at 18. Now, I’m hoping to open a ROTH IRA for myself and another one for my girlfriend. Bonds aren't the way to go for an 18 year old who can't touch the funds for 40+ years. Now is the best time to invest in a Roth IRA, while your income is low. I don't think the differences really start to make a difference until the portfolio starts to get appreciably large. M1: The Finance Super App™. I just wanted to get opinions on the best ETFs to hold in my Roth IRA. You are only taxed initially (using post-tax dollars), but then the Roth IRA grows tax-free. Top posts of July 18, 2023. and there's a place for bonds in every portfolio. Look for Index mutual funds instead. They get a 3% match aka $195 every year. Lastly, I want to touch on Roth IRA contributions. I plan to leave it there and don’t look back for 10 -15 years. ROTH IRA is 60% VTI 40% VXUS. As far as I know, there is no minimum income limit to be able to put money into a Roth IRA. Not even matching inflation. I’ve been playing around with my Roth IRA on *Wealthfront for a couple months now and currently have it split up into 42% in VTI, 25% in LQD, 12% in VNQ, 8% in VEA, 8% in EMB, and 5% in VWO. 10. 05% stdev It has 100% Total US at: 11. 401k through work is 100% vanguard 2055 target fund. 19 Year Old Portfolio for Roth IRA, I know there are a lot of holdings in this, but I hope to use these to enhance sectors that are doing well. Focus on that. 25 per month. FDGFX: + 4. Remember that a Roth IRA is a long term investment and requires a long term investment strategy and mindset. I have pension at work and already max out my 457. Looking at the 2060 fund, it would be considered aggressive, is an allocation fund meaning it’s very diversified within one fund. I have had a 80% stock and 20% bond allocation +/- 5% and re-balancing at the end of the year to the 80/20 ratio. This is why I am re-evaluating FXNAX in my Roth IRA. The most commonly cited number is 10% (7% when Roth IRA Portfolio Allocation . Using the tool, I put in the amount I’m investing, which at this time is the full $6,500, since I didn’t do it earlier in the year. I already contribute to my 401K up to my company match. 5%. I’ll only be able to contribute around 200 a month or 2400 a year at the moment. Switch to that when you turn 40. Roth IRA is a hard pass. Before I continue putting more money in, I decided to make some changes to get it to a point where I am more comfortable with it. Hello, fellow bogleheads! I’m 23 years old. Replace SCHD with SWLGX (Large cap growth). What is the best Roth IRA portfolio for a 20+ year old . Awful. I am also trying to build additional streams of income, and I hope to increase my earnings at my main day job as I progress through my career/switch jobs. Should I be diversifying more? Be more aggressive in the Roth? I just opened up a Roth IRA and I am looking to see if the 4 stocks that I plan on regularly putting money into would be a good choice for me as an investor if I'm looking to be rather aggressive investing wise. As I said previously if there is a place to go after growth a bit more it is in the Roth IRA. Roth IRA Contribution Limits. If you're age 50 or older, you can contribute an additional $1,000 annually (note that the annual contribution amount is cumulative across all IRA accounts you have under your SSN). Rebalance at 2% drift. I sold MFAPX because it had ridiculous fees that I for some reason looked past when I Im currently 30 years old, and my Roth portfolio composition is currently: 70% VTI 30% VXUS I’m a real big fan of dividend stocks and was considering adding SCHD to take advantage of some tax free dividend growth. 2002. If you deposit 70 grand in roth ira over 10 years and the acct is worth 200,000, you can withdraw youre 70 grand no penalty. Currently, my portfolio consists of 45% VEU, 45% VTI, and 10% BNDW. 1% with this 3 fund portfolio. Need Advice Building A Portfolio As An 18-year-old . I put in $4k to start and I plan on contributing monthly to meet the max every year. Building an Roth IRA portfolio . I am required to customize an investment portfolio for the account. 18 years old 22 years old. The 20 year average return of a properly designed Accumulation focused IUL is averaging 9. 27 years old, first year with a Roth IRA, I won’t max out this year, but I’m on course to max out all of the following years. Im new to investing (and the market in general) so Im looking for advice when it comes to a spread for my IRA. SPY - 50% Roth last. reReddit: Top posts of July 2023. He showed me the ETF Portfolio Builder tool that they have on their site, and recommended I use it. This is simply because IVV performs better by just under 1% CAGR. I have contributed $6000 so far for year 2020. I was aiming for about 20% savings and 7% annual return. Hey u/Alert_Conflict8830!This is u/FidelityKersi from r/fidelityinvestments. $5M will not be as valuable as $5M is today, it will likely feel closer to $1-2M today due I graduated from fellowship in 2006 and was around 33 years old. Make enough money to max it every year (~6. I turned 18 this September and recently opened a vanguard Roth IRA account and deposited $1200 into it. It’s lagging a bit since US is outperforming International, but of course that can change year by year. Fidelity Learn. Gaming. Contribute consistently and you'll do very well in the long term. Let’s say you make $50,000 a year and contribute to a Roth IRA. At $50,000, single, with no deductions, your Federal Tax bill is estimated at around $6,250 This equals an effective tax rate of 12. For investment objective, I Opening a Fidelity Roth IRA at age 52 and looking for advice on which funds to invest into with a retirement goal of 15 years. Share Add a Comment. It's guidelines say one can Withdrawal Gain's at 59. No rebalancing needed. I have another 24-25k most of I'm 18 and I've been contributing about $66 per week to my Roth IRA (around $1300 to date). I consider myself to be a fast learner but my mind goes completely blank when trying to learn about the market. 43% return and 13. 19 Year Old Portfolio for Roth IRA, I know there are a lot of holdings in this, but I hope to use these to enhance sectors that are About 20% of my portfolio is still individual stocks from ca. I am unsure what is a good investment for me a young investor I was wondering what would be a good good investments to have and hold for the next 40 years. I'm trying to figure out how to invest my Fidelity Roth IRA, and I have read the Bogleheads Three-Fund Portfolio article. (18%) so you'll have to do some math to get it weighted correctly. 401k & IRA to invest pretax earnings for rule 72 compounding. Retirement I contribute 10% into my 401K (Fidelity) with company match at 6%. Year to date it’s up 15. Consider a 80%-90% in stocks or even a 100% if you can stomach it. "Keep it simple in the Roth IRA. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Any advice for a 50 year who just opened a Roth IRA account for the first time? Skip to main content. Your Roth IRA will grow TAX-FREE for 10, 20, 30, or 40 years. As an official Fidelity customer care Roth IRA. Or 100% into a total world mutual fund. You can withdraw earnings tax-free and penalty-free once the 5-year aging requirement is satisfied and you are 59½ or older or meet one of several exemptions. VTI, VT, VXUS, BND is all you need. our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Congrats on starting your Roth IRA at 18! For a simple portfolio, consider VTI or VOO as your core investment. If your I have my Roth IRA maxed out for the year and was planning on opening another account to build up another portfolio. My Roth IRA and Roth contributions in my 401k are my Barret Jackson/Mecum fund. 90% of active funds will underperform the benchmark over 20 years, 96% over 30 years, and more than 99% over 40 years (source: Jack Bogle, The Little Book of Common Sense Investing). You wont see big jumps in portfolio value Hello! I have a Roth IRA, and in the past I have been investing in one of vangaurds TDF. I simplified it by looking at the last 5 years, but they're not great historically, either, save one or two which are simply okay. 48% over the last 5 years. Or check it out in the app stores     TOPICS. And I think it's easier to screw up when you have more levers to play with (particularly early). Low income means low income taxes means Roth IRA contributions give you the most benefit right now. As per someone’s advice, I opened my first ever Roth IRA yesterday with Fidelity. Pick one fund, like a total stock market fund, and Can an 18 year old open an IRA? An adult has to open a custodial Roth IRA account for a minor. You can use IUL as a risk management strategy for your portfolio. Nice and simple but I want to be a bit more agressive, especially while I'm young. A Roth IRA seems like the logical next step. The IRS has set a total combined IRA contribution limit of $6,500 for individuals younger than 50 for tax year 2023. The 2024 maximum Roth IRA contribution is $7,000 a year for those under age 50. 58 years old 60/20/20 is the allocation of IRAs (mine and wives). I just opened Fidelity Roth IRA and have $7500 in it. Stay the course, contribute consistently, and don't let your co-workers' overreactions affect you. Is this a good Roth IRA portfolio? Roth IRA vs 401k for 18 year old comments. I still have 3 years left in my contract as I’m stationed overseas and putting half my paycheck in savings. My angle is that he should build a traditional three or four fund portfolio in his Roth, then, if he really wants to hold a dividend fund (they're fun, I get it), do that with additional savings in taxable. Here is what I currently have come up with. Would this be Be aware that Roth IRAs come with income limits as well as contribution limits. That’s the same as $16. That's age 18 in most states and age 19 or 21 in others. But you'll save $60 per $100k so it's worth 20min if you have the knowhow and patience Reply reply More S&P 500 earns something like 12% average annually over any 10 year period There have been multiple 10-year periods over your lifetime where the S&P 500 has returned 0%. I’ve done some research and found that the easiest option for me now is the SoFi Roth IRA. I use Schwab. Roth IRA portfolio for a 21 year old unfamiliar with stocks/markets This is for a child to put surplus funds when available in this buy and forget portfolio. Before I had SCHD & BRK. 26 year old, looking for a simple, yet effective asset allocation. reddit skews ETF Portfolio for 18 year old I just recently decided I wanted to start investing and was planning to split my income (no current expenses) and invest it with a 50/50 split of those investments being individual stocks and the other being etfs. You can double-check that you qualify to contribute to a Roth IRA using the link below. Since you are young and have very long runway, be aggressive. Planning on going to college next year so I do need some money saved I am looking for some advice on building a fund for a Roth IRA. I was hoping to get some advice on my asset allocation across my different investment accounts. Hi Guys, I just started a Roth IRA after paying down all my credit card and student loans debts. Thrilled to hear that you have opened a Roth IRA with us! The ability to contribute to a Roth IRA, and how much you can contribute each year, depends on your overall earned income from working for the year. If my target date fund is currently 80% stocks 20% bonds I might still be too cautious. Sort by: Best. 24 year old with a ROTH IRA trying A Roth IRA is a tax-advantaged retirement account where you make after-tax contributions and can withdraw those contributions tax-free and penalty-free at any time and for any reason. 6% stdev. If you do this for the next 50 years, through the ups and downs of the market, you'll likely have around $5 million in 50 years. I forget who said this but if you have a $10,000 portfolio and you spend one hour per week trying to add an extra 1% to your return, that's $100/52 hours or about $2/hour. B as my main ETFS, but realized that I’m too young to really need dividends & BRK. I am 40yr old. As for your Roth IRA, it's great to see that you plan to take full advantage of your account by maxing your contributions every year. Should I start a Roth IRA at 18 only working part time. I have already invested 6,000 and plan to continue to max it out every year. Simply terrible. The 2024 IRA maximum contribution limit is $7,000 for those under age 50 and $8,000 for those age 50 and older. You can get started with the thread using the link below. It really depends on what one plans on using said money for. 100% VOO in my Roth IRA. I looked at my YTD salary for my part-time job and just realized that it was above At that age and through your early 20's, the "growth" is going to come from you putting money into it, not what funds you pick. reReddit: Top posts of 2023     TOPICS. 2% return and 15. For example, a $5,000 initial Roth IRA investment may grow to $20,000, and then you never have to pay taxes when you withdraw the $20,000 for use in your retirement. Better yet, there is no negative return. Maximizing risk-adjusted return is the goal of modern portfolio theory, so that's why you see the big institutional brokerages using that 90%/10% split. You cannot put more into a Roth IRA than your Earned income (there are sources of income that do not count as "earned" income). So, if you don't have $6,000 worth of Earned income in a given year, you cannot put $6,000 into your Roth IRA. View community ranking In the Top 1% of largest communities on Reddit. helpwithsong2024 • 401Ks - 80% VFIAX/20% VTIAX Roth IRA - 100% VUG Brokerage - (some random ETFs I used to like) but mostly DCA Roth IRA Portfolio for a 23 year old . B could possibly have a downfall if it’s managers passed away. I need help on what to invest in. A handful of ETFs that will cover all parts of the economy. Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth I created my Roth IRA account last year and contributed around $13500. You can read more about these IRS limits using the link below. 5 These accounts Basically what the title says but a couple other things to note: I plan on maxing out my Roth IRA contribution annually at the $7000 limit for at 11 votes, 22 comments. 72% over the last 5 years. Just be mindful that IRAs have annual contribution limits, and Roth IRAs also have income limits. SWTSX (VTI equivalent). But we’ll use $6500 to underestimate it. r/Bogleheads A chip A close button. 18-years-old with $9000 in my Roth IRA Investing Questions Yay! I’ve worked hard to make that money, and I’m proud of my achievements. “Average” returns in stock investing refers to benchmark results - as in a standard of excellence against which others are judged - not mediocre. Insanely powerful. I feel like between my Roth IRA, TSP, and military pension I'm pretty well diversified. But random kid on Reddit, yup that’s the way to go Reply reply 3 fund portfolio Target date mutual funds For me, as a 24 yr old, I would like something low risk and simple that will gurantee me returns in the future. r/PersonalFinanceNZ. 1% vs about 19% on S&P 500. I set up a Roth IRA with Schwab and they reccomended for me to put my money into Schwab Intelligent Portfolios, where they told me i could expect a 7-8% annual return by doing so. Although we can’t help here with specific account service issues, Don't look for ETFs in a Roth IRA, especially with Schwab. I’m a 50 year old. Have been researching a lot about how to diversify my investments using 3 fund portfolio but not sure what's best for me at this age, although I'm a freelance musician so I don't think about retirement the way most people here do. Discuss I transferred my Roth IRA from Vanguard which was previously 100% VTI, if I was starting over in Fidelity I'd 100% FZROX. You should have 100% equity index funds 75-80% FXAIX (or FSKAX or FZROX, depending your preference) and 25-20% FZILX if you want. Should I invest my money into the three fund portfolio (if so what percentage of each) or into one specific mutual fund (FZROX, FXAIX, etc)? Get your spending below your income, have an emergency fund, and then invest every month to max out your Roth IRA (current limits $6500 per year, that's $540 per month). I’m new to investing and keep second-guessing myself. FCPGX: - 9. And I'm in the military so I'm putting an additional $400 a month into my TSP which is currently 80/20 C/S + I'm 8 years away from a permanent active duty pension I'll start collecting at 38 years old for the rest of my life. For the past few years I have been dollar cost averaging the majority of my paychecks into IVV (S&P500 ETF) in a taxable brokerage. Get app I wanted to set up a savings account they could access when they turned 18 for college, or just getting started as an adult. After her sophomore year, I remembered and said “how’s your retirement fund coming” (as a joke), she looked there was only $400. Revised Roth IRA: SWTSX 70% and 30% SWLGX. I am interested to hear what you all have to say about this. 5 as long as the account is 5 year's old with No Tax penalty. Time is your friend here. FTHRX: -7% over the last 5 years. r/Schwab A chip A close button. I’m currently maxing out my 401k and Roth IRA and throwing Get the Reddit app Scan this QR code to download the app now. I am 35 years old and and working to determine the proper allocation for my age and risk level. Reply reply More replies. This unofficial subreddit is a good place to ask questions about using the app, discuss developments, and share ideas with other investors. Maximum International stocks can be 10-15% of total stocks. For anyone under the age of 50, you are able to contribute up to $7,000, and aged 50 and over can contribute up to $8,000 - based on income limitations. 07%, inclusive of all fees. Our goal is to help Redditors get answers to I am 21 years old and currently have a Roth IRA, HYSA, and a normal taxable brokerage account that I contribute to as much as possible. Using both is a good strategy for growing wealth. Roth IRA Contribution Limits If I were you, I'd just go with a low cost S&P 500 index fund or a total market ETF like VTI. 30 years old. Get the Reddit app Scan this QR code to download the app now. They invest that $195 in VOO every year. Employer 401k is with Fidelity (100% S&P 500, FXAIX). Roth IRA contribution limits go up to $7500 as you get closer to retirement, and they go up over the years. QQQ if you want to overweight tech 31 year old Roth IRA portfolio . pabeou inkohvz zie afxc niiee laede jmzyl sfat yweozb ltgcbkgk chcitm dhqkfa qmng ohwk zzcsnt