If you just started a Roth IRA and maxed it out for '25 and '26, how would you plan out your investments?

And would it be different based on your age? 20's? 30's? 40's? 50's?

VOO and VUG

100% VT and chill

VOO or SPYM

MSFT 2 weeks ago.
I kid. Any index fund.

i've been about 45% individual stocks, 45% index funds, and I keep about 10% cash. Fidelity advisors keep telling me to change my ways....I keep generating incredible returns.

and like the guy above me said..I bough a LOT of MSFT a few weeks ago and it's done me well

RoyVal said:

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i've been about 45% individual stocks, 45% index funds, and I keep about 10% cash. Fidelity advisors keep telling me to change my ways....I keep generating incredible returns.

and like the guy above me said..I bough a LOT of MSFT a few weeks ago and it's done me well

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I would have generated higher returns the last two years than I have, but that would mean I wasn't following the plan I set. No regrets. Made the plan for a reason. All depends on where you are in life and how much risk you want to absorb.

RoyVal said:

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i've been about 45% individual stocks, 45% index funds, and I keep about 10% cash. Fidelity advisors keep telling me to change my ways....I keep generating incredible returns.

and like the guy above me said..I bough a LOT of MSFT a few weeks ago and it's done me well

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That's a great allocation strategy in a bull market.

AggieInHouston said:

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RoyVal said:

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i've been about 45% individual stocks, 45% index funds, and I keep about 10% cash. Fidelity advisors keep telling me to change my ways....I keep generating incredible returns.

and like the guy above me said..I bough a LOT of MSFT a few weeks ago and it's done me well

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That's a great allocation strategy in a bull market.

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It gets nerve wracking at times….like these last couple of months but I just stay the course and buy more. Also helps that I don't show my wife those six figure paper losses until they have recovered LOL

How important is it to go with options that have a 0% gross expense ratio,

All wwr. All of it

BigPete3281 said:

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How important is it to go with options that have a 0% gross expense ratio,

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Do they perform as well or better than options that are >0%? If so, you have your answer.

Let's say someone has a considerably larger amount of money to invest separate of a Roth IRA that can be much more conservative.

If I'm understanding things correctly, I can buy and sell all I want within the Roth IRA account and not pay any taxes on gains I make...as long as I'm not withdrawing any of it until 59.5.

Does it make more sense to be more aggressive, yet still diversified, in the Roth IRA? Like if I'm still keeping the majority of it in "set it and forget it" index funds, maybe do a little more buying/selling with a small portion of it considering you don't have to pay any taxes on any gains?

I know a lot of this is just me thinking out loud, but if there is anything I know, it's that there are a lot of people way smarter than me. So just tell me if I'm dumb.

I churn my Roth quite a bit for this reason. Buy low, sell high, chase dividends, all of it. My taxable acct is for set it and forget it.