You guys are making me feel old. Great job starting early and putting your money to work. Take advantage of the free money and tax benefits. With that much time, just keep it simple and stay diversified.
OT: Stock and Investment Thread
- Thread starter RU05
- Start date
They do and it's in a ROTH401K. What growth fund do you suggest?
Good luck
Just pay attention for when you might want to move some of the funds for their planned use.
I would recommend not waiting to move funds you expect to use at the last minute if you have gains. Do not get greedy once you reached the amount needed move those funds to a safe investment.
For example I had a 529 for my daughter and had enough to pay for school when the Nasdaq crashed. I had considered taking 2 years of college out prior but figured I had enough time so I did not. It never made it back by the time I needed it. I was still okay because I am a good saver but that could have really hurt.
So if some of these accounts are earmarked for college or a wedding or some other use once you get where you need to be protect it.
I have a ton of options a lot of TIAA Target funds and then a lot of Vanguard Funds - is there a specific one to look for ?
Also for the brokerage should I drop 30 VXUS to 15 % and add VGT or IGM like one of you suggested?
Look for a solid Vanguard fund. I would prefer VWUSX, which is lightly managed, or as a back-up, VIGAX which is a growth index.
FYI, Morningstar is a great resource for funds/etfs:
As for your brokerage, I originally recommended:
60% VTI
20% VXUS
10% VGT or IGM (ETF for traditional big name tech)
5% SOXX (ETF for semiconductors)
5% ARKK
However, if you wanted to reduce VXUS to 15% and bump up VGT/IGM to 15%, no problem. And this is probably a good idea due to your age.
As for VGT vs. IGM (which I own both), the big difference is that VGT is top heavy with Apple and Microsoft. IGM has more equal portions of all big 5 techs (Apple, Microsoft, Amazon, Google, and Facebook). Their performance is very close, so it is just what you prefer. Both are outstanding!
Personally, I have IGM in our E-Trade brokerage account. I use VGT in one of our rollover IRAs because we have extra exposure to Amazon, Google, and FB via other funds, so VGT is a nice balance. Since you are looking for broad exposure, I would slightly recommend IGM (but check out both ETFs via Morningstar).
The first part I think you are talking about by Roth 401K? If so what would you change to add one of those funds (If available)
Yes, the first part is for your Roth 401k. Here is my recommendation:
45 VFIAX
15 Large Cap Growth (VWUSX or VIGAX)
15 VSGAX - good
15 VIMAX - good
10 DFIEX - a bit of a weaker international fund, going down to 10% is fine
Anyone have HCMC it is a penny stock but One website has mentioned if they can win a lawsuit vs Phillip Morris
(??over a vaping patent ??. ) stock can see some crazy gains
don’t have any penny stocks but figured a $250/500 gamble won’t kill me
before I get lectured , the rest of my investing involves wife and my 401
Plus extra $$ per week on E*TRADE
(??over a vaping patent ??. ) stock can see some crazy gains
don’t have any penny stocks but figured a $250/500 gamble won’t kill me
before I get lectured , the rest of my investing involves wife and my 401
Plus extra $$ per week on E*TRADE
I own 1mm shares...costs nothing and I have money to lose. Maybe buy more but it’s completely all speculative
Is this the beginning of the correction, or is it time to buy? Since I am sitting on a fair amount of cash, I am not selling, except for a couple of stocks (the more volatile stocks). At the same time, I’m not buying. I am waiting for a 10-15% correction, that may or may not happen. So I am a hold at this point.
LB3
LB3
I know the market (especially tech) is down when this thread gets no love.
Traditional/value tech is at an all-time high and performing well. Only the spec tech and momentum stocks are getting hurt.
SPAC party coming to an end?
Gold is still way off its recent high. While BTC is still stalled, ETH is standing strong.
I think it depends on earnings, if they do come in as strong as some expect I don't see a correction occurring in the midst of that. Now if they disappoint, then sure.
If you have money on the side I'd probably hold off and see who things play out though. The big rip is likely over.
Ya, Barrick was as high as $30 in July, and $25ish in Jan. $22.68 at the moment. But is this a chance to get back in when not at it's highs?
Even if we think Crypto has a ton of room to grow, does that mean the traditional store of values have no place at the table?
XOM is struggling a bit of late. Just a breather?
SOS? whats the thought process on that one?
Pretty good little bounce this morning.
not only from my crypto plays which have been tanking on me recently, but also some of my high beta oil plays, which have been tanking over a longer stretch. BTBT and Tell both went from the bottom of my board to the top since opening.
not only from my crypto plays which have been tanking on me recently, but also some of my high beta oil plays, which have been tanking over a longer stretch. BTBT and Tell both went from the bottom of my board to the top since opening.
The flow of new spacs has already turned to a trickle. I think eventually some of these post spac mergers which have been dragged down by the group will prove to be very good investments.
Josh Brown made a point the other day about "churning your portfolio into oblivion" or something like that. Getting out of tanking stocks, moving them into rising stocks, only to see those tankers reverse, and the risers stall, then repeating the process.
And it's something I'm fighting recently, holding strong this week though, helpful so far today.
And it's something I'm fighting recently, holding strong this week though, helpful so far today.
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Haven't made any changes in my value tech account in several weeks, and don't plan to for a while. My crypto account is set, besides buying some more Galaxy shares on a future dip.
Obviously, other accounts are steady as you go.
This is pretty much exactly where I am with several stocks. Stay strong lol.
I bought some back in February on the rumor. It's quite a volatile ride so definitely don't invest anything substantial.