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Rollover 401k Advice
Posted on 1/20/24 at 7:31 am
Posted on 1/20/24 at 7:31 am
I created a topic a few weeks ago and took the boards advice on rolling over my previous employers 401K into a Vanguard account that I can control. I am rolling over a little more than $150k and am now looking for advice on what stocks to invest in. I see most of the MT is invested in VOO, NVDA, etc. What are my options here and what stocks do you suggest? Im 40 y/o so I still have a while before retirement. I have also created a Roth IRA that I plan to contribute to along with my current 401k thru my employer. Any input would be appreciated!
7
Posted on 1/20/24 at 7:34 am to sonoma8
Forget about individual stocks. Go the index route. Set it and forget it.
Posted on 1/20/24 at 7:48 am to sonoma8
I am in VTI, a small position in VOO. My only individual stock holdings are MSFT and AMD.
Moderate positions in treasuries and cd’s. I am nearing retirement.
Moderate positions in treasuries and cd’s. I am nearing retirement.
Posted on 1/20/24 at 7:53 am to sonoma8
All in the bitcoin ETF.
Posted on 1/20/24 at 8:21 am to sonoma8
Keep most of it in a few indexes, or just VOO. Nvda is still running and worth it if you keep an eye on it. Not daily, but monthly or quarterly. Amd as well.
Aapl, msft, amzn, hd are some good buy and hold options. Waste Mgmt has been a solid one as well.
Aapl, msft, amzn, hd are some good buy and hold options. Waste Mgmt has been a solid one as well.
Posted on 1/20/24 at 9:06 am to sonoma8
QQQ has been my favorite over the last 20+ years.
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In the past 10 years, VOO has returned investors an average of 12.94% after taxes and the sale of fund shares. QQQ has been around since 1999, but when looking at the numbers from the previous decade, the company has returned investors an average of 16.93% after taxes and the sale of fund shares.
LINK
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In the past 10 years, VOO has returned investors an average of 12.94% after taxes and the sale of fund shares. QQQ has been around since 1999, but when looking at the numbers from the previous decade, the company has returned investors an average of 16.93% after taxes and the sale of fund shares.
LINK
Posted on 1/20/24 at 9:08 am to sonoma8
Are you comfortable seeing 20-30% dips about every 3-4 years?
Granted, you’ll probably average 8-10% over the next 20-30 years in VTI, VOO, and other broad indexes, but that’s not a straight line.
Average US retail investors woefully underperform broad indexes because they can’t stick to their long term plan during periods of short term volatility.
Granted, you’ll probably average 8-10% over the next 20-30 years in VTI, VOO, and other broad indexes, but that’s not a straight line.
Average US retail investors woefully underperform broad indexes because they can’t stick to their long term plan during periods of short term volatility.
Posted on 1/20/24 at 9:33 am to slackster
More of a set it and forget it. Its pretaxed so I dont believe Im allowed to contribute to it. As far as the Roth is concerned, I plan to start maxing that out yearly and was curious of what the consensus was on stocks to consider. The volatility of the stock wont bother me as much.
Posted on 1/20/24 at 9:43 am to sonoma8
quote:
More of a set it and forget it
Good, then ignore all the individual stock advice on this board.
Roll with VTI or, if you want to get a little more fancy, consider using VV, VO, and VB to build your large, mid, and small cap allocations. The latter two are rarely discussed around here because they’ve fallen out of favor the last few years, but they historically outperform large stocks.
Posted on 1/20/24 at 9:57 am to slackster
Perfect 
Now where would you start with roth investments?
Now where would you start with roth investments?
Posted on 1/20/24 at 10:18 am to sonoma8
Same. No need to reinvent the wheel if you’re not trying to stay on top of it.
Posted on 1/21/24 at 7:27 am to slackster
This is good advice, and most of my money has always been in indexes. But I found that playing with individual stocks kept me interested and more engaged. This led to me educating myself more.
Posted on 1/21/24 at 7:53 pm to sonoma8
General rule of thumb:
Own indiv. stocks/bonds/ETFs in NQ account
Own actively traded securities in Qual acct
Own indiv. stocks/bonds/ETFs in NQ account
Own actively traded securities in Qual acct
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