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Message
Using a Roth as a trading account..
Posted on 4/2/26 at 12:30 am
Posted on 4/2/26 at 12:30 am
Have any of you baws been more "aggressive" in your Roth as your capital within it has increased?
It's pretty cool selling big gainers and slotting in to promising realms of the cheaper variety with no cap gains applied on the switch..
It's pretty cool selling big gainers and slotting in to promising realms of the cheaper variety with no cap gains applied on the switch..
9
Posted on 4/2/26 at 5:43 am to FAT SEXY
Yes, but a bad move is much more expensive than a bad move in a standard brokerage.
High risk high reward
High risk high reward
Posted on 4/2/26 at 12:19 pm to RJSambola
Yeah but can't be reckless. Extreme example - contribute $5,000, buy $5,000 of XYZ stock, stock goes to $0, can't put money back in, so you "wasted" $5,000 of highly tax-advantaged dollars
Posted on 4/2/26 at 12:20 pm to Texas Tea 123
So do you play it safe with ROTH and gamble more with regular IRA?
Posted on 4/2/26 at 12:27 pm to Neauxla
I don’t use my retirement account as a trading account. I put it in index funds and leave it alone.
I have another investment account I take risk in.
I have another investment account I take risk in.
Posted on 4/2/26 at 1:17 pm to Neauxla
if you are going to gamble, dont you at least want to be able to get a tax break on your losses (tax loss harvesting)? Cant do that in any IRA.
Posted on 4/2/26 at 1:25 pm to FAT SEXY
If I were younger, I would probably put the stocks/etfs/funds with the highest expected return in a Roth. I'm at what is often considered traditional retirement age, so I keep bonds and other tax-inefficient assets in qualified accounts, and tax efficient stock strategies in non-qualified accounts. Since I continue to work, I don't want assets being taxed at ordinary income tax rates.
Posted on 4/2/26 at 4:35 pm to FAT SEXY
I use my Roth as you described. Its ideal for option income and short term gains
Posted on 4/2/26 at 6:06 pm to FAT SEXY
Yeah but it’s not for the faint of heart. I 4X’d it in 2024-2025 and I’ve taken a 30% drawdown since it peaked in late January. It’s precious metals, industrial/energy ETFs and bitcoin. I decided in 2024 that my 401k was more than enough exposure to the S&P 500 and sold it all.
Im trying to stop trading completely but it’s not easy. I like hard assets and have no issue with the volatility of owning physical but the buy/sell button turns me into a bit of a degen.
Im trying to stop trading completely but it’s not easy. I like hard assets and have no issue with the volatility of owning physical but the buy/sell button turns me into a bit of a degen.
Posted on 4/2/26 at 7:14 pm to FAT SEXY
Roths are 100% stock ETFs.
Traditional IRAs about 60/40 % stock ETFs and, bond ETFs and mutual funds.
.
Trading (gambling, fun) account is currently about 6% cash, zero bonds, and the rest a combination of individual stocks, and a little bit of stock ETFs.
My wife and I are retired so our IRAs are set except for occasional rebalancing and annual RMDs. I don't like to play the market with retirement funds and have done well with maxi them out as best we could.
Traditional IRAs about 60/40 % stock ETFs and, bond ETFs and mutual funds.
.
Trading (gambling, fun) account is currently about 6% cash, zero bonds, and the rest a combination of individual stocks, and a little bit of stock ETFs.
My wife and I are retired so our IRAs are set except for occasional rebalancing and annual RMDs. I don't like to play the market with retirement funds and have done well with maxi them out as best we could.
Posted on 4/2/26 at 9:59 pm to FAT SEXY
Starting with $8600 in a roth ira simply make 1 trade per week as soon as it hits 5% profit sell.
Then repeat the next week for a total of 156 consecutive trades(3 years) and you will be worth $17,379,172.99.
Yes I trade mine and I've got stinky pinks in there so don't follow my advice.
Then repeat the next week for a total of 156 consecutive trades(3 years) and you will be worth $17,379,172.99.
Yes I trade mine and I've got stinky pinks in there so don't follow my advice.
Posted on 4/2/26 at 10:16 pm to FAT SEXY
quote:
Have any of you baws been more "aggressive" in your Roth as your capital within it has increased?
no
i do trade and am very aggressive in my TIRA and solo 401k though.
Posted on 4/3/26 at 3:53 am to FAT SEXY
brilliant idea...if you're good at it...terrible if you're not
Posted on 4/3/26 at 6:05 am to bonstonker
I like the sound of this
5 percent a week seems unrealistic?
How do I do this?
quote:
Starting with $8600 in a roth ira simply make 1 trade per week as soon as it hits 5% profit sell.
Then repeat the next week for a total of 156 consecutive trades(3 years) and you will be worth $17,379,172.99.
Yes I trade mine and I've got stinky pinks in there so don't follow my advice.
5 percent a week seems unrealistic?
How do I do this?
Posted on 4/3/26 at 9:33 am to FAT SEXY
Just don’t gamble away your retirement money.
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