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Investment advice

Posted on 12/31/25 at 2:28 pm
Posted by SidewalkTiger
Midwest, USA
Member since Dec 2019
67477 posts
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?

This post was edited on 12/31/25 at 3:00 pm
Posted by horsesandbulls
Destin, FL
Member since Jun 2008
5155 posts
Posted on 12/31/25 at 3:33 pm to
Id keep your speculative (gambled) investments to 10% of your taxable brokerage account holdings. Put the rest in index funds or “safer” etfs.
Posted by TorchtheFlyingTiger
1st coast
Member since Jan 2008
2925 posts
Posted on 12/31/25 at 4:41 pm to
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 by lsuconnman
Baton rouge
Member since Feb 2007
4531 posts
Posted on 12/31/25 at 4:49 pm to
I’d subscribe to AT’s substack. He’s had a few bangers over the years.
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