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28 July 2021
19:56 hour

Looking for Advice on Roth IRA

Reddit Stocks

21/07/2021 - 23:28

I am 24 years old and have opened a Roth account last month at Vanguard but have never bought anything after my first contribution. I was hoping the investors on this subreddit could help me out with some advice on my Roth IRA. Currently, I just maxed out the contribution for this year but it is just sitting there and I don’t want to waste anymore time. After looking online, I decided to go with a 3-fund portfolio overall (currently will be 2 fund) with VTSAX and VTIAX but they both require 3k minimum so I figured I would put 3k in each. I can’t contribute more than 6k because of the rule so next season I would put 3k into the bonds and then mainly put contributions to VTSAX and then some into VTIAX. Is this a valid strategy or is there a better way of going about it? Goal that I would work towards - 60% VTSAX - 30% VTIAX - 10% VBTLX My goal is to not touch this money for a long time as this is working towards retirement. I have an emergency fund already and after this, I’ll slowly put some money in a brokerage account with a diversified portfolio. I chose these because of the automation and similarity between VTI (for example). Should I have just down the ETF equivalents since I’m limited in how much I can contribute because of the rules?   submitted by   /u/MagikIndian [link]   [comments]


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    I'm 18 and about to open my Roth. I've seen VOO, VIG, and VT be the most highly suggested for my portfolio. If anyone has any pointers or recommendations as to how I should distribute my retirement contributions, please let me know. I've considered going all-in VT, but I'm not sure yet. I'm a little less confident in my investing right now because I stopped following the market when covid began (due to it being a rather depressing sight lol)...so, now that I'm an adult and in control of my own money, I'm trying to reeducate myself and have these discussions with others. What to do?   submitted by   /u/briannapham [link]   [comments]
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  48. How would you invest $1 million in a Roth IRA (30 year timeline)? (09/02/2021 - Reddit Stocks)
    After today, I have a little over $1 million in my Roth IRA. Sold a good chunk of stuff that I was up big on. I want to switch to a more passive approach for this account. I'm thinking of either doing a 3 fund portfolio or 4-5 ETFs and then leaving 10% for long term stocks. What would you do?   submitted by   /u/frogggy92 [link]   [comments]
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  49. High earning monthly/quarterly Dividend stocks. (20/02/2021 - Reddit Stock Market)
    So I have pretty much figured out the entirety of my brokerage portfolio with the one exception of some high earning dividend stocks. Personally I am looking at 5 to invest in when my income tax return comes in, those 5 are SU, ISBC, PSEC, GAIN, and PFLT. I was wondering what y’all thought on these 5 and if there were any others I should look at instead? I’m wanting to just have these stocks at the bottom of my portfolio constantly reinvesting their dividend so that in a few years (30+) I can retire and live off of monthly dividends and SS. I’m planning on investing between $100-$500 into both my brokerage account, which these stocks will be in with the rest of my portfolio, and my Roth IRA, which is my retirement fund that is split between ARKK, ARKX (when it launches), SPYD, MSOS, THCX, and finally O. If you have any opinions on these or other stocks I should look at I would love to read them. Thank you for any help, this is not financial advice, just a dumb question cause I’m looking to be told I’m doing something right as I’m fairly new to personal investing and only ever just put money into my Roth IRA before this year.   submitted by   /u/TheFondestComb [link]   [comments]
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