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Investment advice
Posted on 12/31/25 at 2:28 pm
Posted on 12/31/25 at 2:28 pm
I'm 32.
I have a Roth 401k (didn't know this was a thing) through my employer and have been maxing it out the last few years, however I'm looking for something to do with any additional funds I have.
Currently, I have a taxable brokerage account with Fidelity and have dabbled with some of the income ETF's however I've basically just broke even.
Took a flier on HGRAF based on this board.
Does it make sense to just buy index funds in the taxable account and roll with it?
I have a Roth 401k (didn't know this was a thing) through my employer and have been maxing it out the last few years, however I'm looking for something to do with any additional funds I have.
Currently, I have a taxable brokerage account with Fidelity and have dabbled with some of the income ETF's however I've basically just broke even.
Took a flier on HGRAF based on this board.
Does it make sense to just buy index funds in the taxable account and roll with it?
This post was edited on 12/31/25 at 3:00 pm
4
Posted on 12/31/25 at 3:33 pm to SidewalkTiger
Id keep your speculative (gambled) investments to 10% of your taxable brokerage account holdings. Put the rest in index funds or “safer” etfs.
Posted on 12/31/25 at 4:41 pm to SidewalkTiger
I'd fund Roth IRA before taxable brokerage. I avoid dividend and income generating assets in brokerage because they generate unwanted taxes. Low yield index ETFs are my preferred asset in brokerage. You've underperformed if just breaking even in recent years.
Posted on 12/31/25 at 4:49 pm to SidewalkTiger
I’d subscribe to AT’s substack. He’s had a few bangers over the years.
Posted on 1/2/26 at 11:22 pm to SidewalkTiger
You’re on the right track. I retired at 55 in 2017 and this was ny strategy. Max out any matching tax deferred accounts, or a Roth if it’s employer matched. I invested in physical metals in early 2000’s and that’s paying off. And I still believe there is a ton of run left in silver especially.
Land/real estate is another almost sure investment. Any after tax investments weighted in index funds like you said, industry sector funds, S&P etc, but keep 20%ish bonds (not bond funds). I like corporate bonds, with some municipal bonds on the low end. Don’t buy junk bonds, I try to stay in B+ or higher. Then as you move closer to retirement, transition more so toward bonds and fixed income. Remove the risk from your portfolio.
That’s all I got, but it’s worked very well for me.
Land/real estate is another almost sure investment. Any after tax investments weighted in index funds like you said, industry sector funds, S&P etc, but keep 20%ish bonds (not bond funds). I like corporate bonds, with some municipal bonds on the low end. Don’t buy junk bonds, I try to stay in B+ or higher. Then as you move closer to retirement, transition more so toward bonds and fixed income. Remove the risk from your portfolio.
That’s all I got, but it’s worked very well for me.
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