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For non-retirement account stocks you buy, what % return are you expecting before selling?

Posted on 3/19/25 at 8:53 pm
Posted by Grinder
Member since Nov 2007
2295 posts
Posted on 3/19/25 at 8:53 pm
Is it a factor of time and return? Or just return?

Would you lock in a 50% return after 7days or shoot for more?

What about 30% return in 2 days?

Or do you hold at least 1 year to lower taxes owed?
Posted by TigerTatorTots
The Safeshore
Member since Jul 2009
81667 posts
Posted on 3/19/25 at 9:13 pm to
Buy and hold 99% of the time
Posted by Artificial Ignorance
Member since Feb 2025
308 posts
Posted on 3/19/25 at 9:19 pm to
My non retirement accts are for retirement (not saving / investing for anything else). Point of this response I think still answers your question.

It is all about tax efficiency in non retirement accounts. I don’t aim for % return. Rather, seek to allocate portion of portfolio to higher risk / diversification in most tax efficient manner. That is primarily growth via capital gains (for tax efficiency / ie, nil dividends). Less concerned about individual stock returns and more about the category asset class serving to diversify the broader portfolio, retirement and non retirement in sum.

Timeline is aimed at point in time when will need to convert to cash. As of right now, blessed to say that may be never and will continue to use as risk diversification.

This post was edited on 3/19/25 at 9:21 pm
Posted by bulldog95
North Louisiana
Member since Jan 2011
21029 posts
Posted on 3/19/25 at 9:22 pm to
Buy and hold most of time. I have several that are up over 300% and a bunch over 50%

KULR
QBTS
RGTI


My 3 largest % increases
Posted by tigerbacon
Arkansas
Member since Aug 2010
4163 posts
Posted on 3/19/25 at 9:24 pm to
I typically only buy and never sell unless I stop believing in the company
Posted by DaBeerz
Member since Sep 2004
18012 posts
Posted on 3/19/25 at 9:56 pm to
always buying… in non Ira accounts, I only sell if I need the money for something specific or think it could be better invested elsewhere
Posted by Enadious
formerly B5Lurker City of Central
Member since Aug 2004
18250 posts
Posted on 3/19/25 at 10:09 pm to
quote:

Would you lock in a 50% return after 7days or shoot for more?

I wait 21 days and cash in at 150% return.
Posted by makersmark1
earth
Member since Oct 2011
18434 posts
Posted on 3/20/25 at 5:10 am to
Is it a factor of time and return? Or just return?
I look for business that I want to own for decades at a fair price based on earnings, sales, and dividends.

Would you lock in a 50% return after 7days or shoot for more?
7 days is a lottery ticket. I want to own an equity stake in a going concern.

What about 30% return in 2 days?
See above

Or do you hold at least 1 year to lower taxes owed?
My favorite holding period, forever.
Posted by CHGAR
Haile, LA
Member since Aug 2022
939 posts
Posted on 3/20/25 at 3:25 pm to
6%. Fast paced compounding is my game.
Posted by holdem Tiger
Member since Oct 2007
1139 posts
Posted on 3/22/25 at 2:30 pm to
Impossible to answer really. In my swing portfolio though, if I’m handed a huge return in short time, I am strongly inclined to take it and move on.
Posted by CajunTiger92
Member since Dec 2007
2844 posts
Posted on 3/22/25 at 2:52 pm to
I keep my long term hold stocks in non-retirement accounts. I might sell portions of my position if I think the market is going into a decline that is somewhat long term. I did this at the end of last year and beginning of this year. All of the stocks I sell I’ve held at least a year.
Posted by Grinder
Member since Nov 2007
2295 posts
Posted on 3/22/25 at 8:21 pm to
quote:

In my swing portfolio though, if I’m handed a huge return in short time, I am strongly inclined to take it and move on.


I think this makes the most sense.

And thanks for the 4 downvotes.
Posted by bigjoe1
Member since Jan 2024
795 posts
Posted on 3/22/25 at 9:30 pm to
Yep. But the dip and sell the rip.
Posted by oneg8rh8r
Port Ludlow, WA
Member since Dec 2003
2855 posts
Posted on 3/22/25 at 10:02 pm to
One of my biggest regrets is I have purchased a lot of stocks, for investments and not trading, that I thought were gang busters at the time and for whatever reason along the way I decided to part ways.

Looking back, had I simply held all of the stocks I had purchased, I would have retired a while ago.

Lesson, unless you figure that a stock you bought it shite; I'm anticipating that you bought it for a reason, HOLD IT, chances you were right, it just needed time.
Posted by oneg8rh8r
Port Ludlow, WA
Member since Dec 2003
2855 posts
Posted on 3/22/25 at 10:03 pm to
One of my biggest regrets is I have purchased a lot of stocks, for investments and not trading, that I thought were gang busters at the time and for whatever reason along the way I decided to part ways.

Looking back, had I simply held all of the stocks I had purchased, I would have retired a while ago.

Lesson, unless you figure that a stock you bought it shite; I'm anticipating that you bought it for a reason, HOLD IT, chances you were right, it just needed time.
Posted by makersmark1
earth
Member since Oct 2011
18434 posts
Posted on 3/23/25 at 6:27 am to
quote:

typically only buy and never sell unless I stop believing in the company


^this is rational.

Posted by goofball
Member since Mar 2015
17163 posts
Posted on 3/23/25 at 7:23 am to
I buy and hold almost all the time.

If by some freak occurrence I see a 20% hike in less than 6 months, it gets my attention and I look into why. Sometimes I sell, sometimes I hold.
Posted by KennytheTiger
bella vista ar
Member since Apr 2012
409 posts
Posted on 3/23/25 at 10:00 am to
Buy and hold. I only sell if I had a huge winner that has done so well that it's run seems to be over. Qualcomm, Applied Materials are couple. I am winning with Nvdia, but this fits the pattern. Their revenue/profit esults are too strong for me to let it go yet, but expect to sell within a year or so. I do think their stock price run is over and stock price returns will good not great from here.

Most of my others in my taxable account are long term ones that are steady growers.
Posted by bama1959
Huntsville, AL
Member since Nov 2008
4979 posts
Posted on 3/23/25 at 10:46 am to
I run a small hedge fund and also have a personal account. In my hedge fund 90% of my gains are short term. I'm a big chart guy so I have a multitude of strategies and targets. One thing I learned is if I get a quick pop to take the gains fast. I can't tell you how many times I had a big quick gain in minutes to days only to see it vanish and turn negative soon thereafter. We are getting a lot of that right now. The market is really confused and there is little conviction, both short and long (up & down).

In my personal account 90% of my gains are long term. I'm extremely happy with 10-20%/yr using long term growth stocks. VMC and AVGO are 2 I've held for years. TOL, ALGN, MP and CLS are stocks I've bought recently that I want to hold for years. I always reinvest dividends. Rule of 72 says a 10%/yr investment will double every 7.2 years. 20% doubles every 3.6 years. That's pretty damn good IMHO.
Posted by Drizzt
Cimmeria
Member since Aug 2013
14334 posts
Posted on 3/24/25 at 5:03 pm to
quote:

Would you lock in a 50% return after 7days or shoot for more?


Yes. Assuming this isn’t a retirement account, if the stock increases 50%, take some gains. At least 25% of what you own. If it doubles I sell half. You have covered the whole investment then. In individual stocks you are always smart to take gains. The goal is to not lose money and you are essentially gambling. Stocks go down all the time for reasons you won’t know until it’s too late.
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