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Starting early: Alice Garcia

by Community Manager

‎08-07-2014 03:00 AM

Alice Garcia CarouselName: Alice Garcia


Age: 31


Title: Employee experience director


Served in: Army


When did you start investing? I did a little investing in the Thrift Savings Plan and with another company while I was in the Army, but the returns weren’t what I expected and I got discouraged. As a young second lieutenant, it was also very tempting to spend money on other things than investing.


How did you start investing? I called USAA as part of my on-boarding in new employee orientation. I had already put together six to nine months of living expenses in my savings to prepare for my transition out of the military, and I had some questions about transferring my TSP as well as understanding how the 401(k) worked.


What is your risk appetite? Moderately aggressive.


Are you investing with a specific goal? I know I’m young, but I am planning for retirement. I want to get to the point where I am independently wealthy and I can retire whenever I am ready.


Any advice for would-be investors?

  • The advisors who have helped me gave me a full understanding of the types of risk so I knew my risk tolerance. I also did some research online.
  • Ask questions so you understand what you are investing in. I haven’t been afraid to ask questions, even if I think they might be extremely basic investing questions.
  • Invest with a company you trust. I had invested briefly with and found that there were a lot of fees and hidden charges I didn’t expect.
  • I set up recurring allotments from my checking to my investment accounts each paycheck so I didn’t have to remember to do it.
  • Be patient. For the first six months, I obsessed over my account balance. But I’m investing for the long term, so I’m making competitive returns overall even though it might dip along the way.



Investments/ Insurance: Not FDIC Insured ∙ Not Bank Issued, Guaranteed or Underwritten ∙ May Lose Value


Past performance is no guarantee of future results. 


Investments provided by USAA Investment Management Company and USAA Financial Advisors Inc., both registered broker dealers.


Automatic investment plans don’t assure a profit or protect against loss in declining markets.

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