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Started By
Message
Help me allocate my rollover 401(k)
Posted on 12/10/25 at 4:54 pm
Posted on 12/10/25 at 4:54 pm
I have been lucky with the Mag 7 and tech stocks when it comes to my IRA, which currently has ~$1.4M. Below are my current holdings.
I recently rolled over $350K from an old 401(k) into this IRA. How would allocate the $350K? While individual tech stocks have been good to me so far, I wonder if I should start getting more conservative and split the cash into low cost ETFs across sectors to change up the mix/diversify? I am 44 years old. Thx.
I recently rolled over $350K from an old 401(k) into this IRA. How would allocate the $350K? While individual tech stocks have been good to me so far, I wonder if I should start getting more conservative and split the cash into low cost ETFs across sectors to change up the mix/diversify? I am 44 years old. Thx.
This post was edited on 12/10/25 at 7:38 pm
8
Posted on 12/10/25 at 6:41 pm to rickgrimes
If true, holy shite returns.
Posted on 12/10/25 at 7:28 pm to tigerforever7
I literally did what I said I would do here in May 2020 - LINK
I went big on Big Tech, specifically the Mag 7, ironically based on Jim Cramer's suggestion of all people during the height of the pandemic. It was pure luck. Not much thought went into it. If I were really smart or could predict the future, I'd have put all my money into Nvdia and not just bought 3000 shares at $14.
I just want to get the MB's advice on whether to keep riding the tech wave, or should I start diversifying a bit at least starting with the $356K cash I rolled over. It's very hard to bet against tech stock returns though...even in the future.
Screenshot from my Robinhood account if it helps:
I went big on Big Tech, specifically the Mag 7, ironically based on Jim Cramer's suggestion of all people during the height of the pandemic. It was pure luck. Not much thought went into it. If I were really smart or could predict the future, I'd have put all my money into Nvdia and not just bought 3000 shares at $14.
I just want to get the MB's advice on whether to keep riding the tech wave, or should I start diversifying a bit at least starting with the $356K cash I rolled over. It's very hard to bet against tech stock returns though...even in the future.
Screenshot from my Robinhood account if it helps:
This post was edited on 12/10/25 at 8:14 pm
Posted on 12/10/25 at 7:58 pm to rickgrimes
quote:
I wonder if I should start getting more conservative and split the cash into low cost ETFs
You are a lot more aggressive than me. I would put all $350,000 in VTI. Then I would ladder some stop loss orders on NVDIA and Tesla. I get nervous when any single stock is much more than 10% of my total.
Posted on 12/10/25 at 8:43 pm to rickgrimes
If interest rates continue drop you should put some in a Russell 2k like small cap index.
Posted on 12/10/25 at 9:52 pm to masoncj
quote:While I agree with you that small caps should do much better with lower interest rates, they've been lagging for almost 10 years or more. Do you consider this a value play?
If interest rates continue drop you should put some in a Russell 2k like small cap index.
Posted on 12/11/25 at 7:21 am to RoyalWe
Impossible to know for sure but a few things are working in small caps favor. The lower interest rates should help and deregulation as well.
Will be interesting to see how the current case at scotus is ruled related to a President being able to hire and fire at all of these “independent” agencies like the EPA
If regulation is cleared on a lot of innovation that we see in the small cap space it might usher in a new era of growth.
Regardless the bottle neck that had been placed on small caps via regulation hopefully Cant get worse at this point.
Will be interesting to see how the current case at scotus is ruled related to a President being able to hire and fire at all of these “independent” agencies like the EPA
If regulation is cleared on a lot of innovation that we see in the small cap space it might usher in a new era of growth.
Regardless the bottle neck that had been placed on small caps via regulation hopefully Cant get worse at this point.
Posted on 12/11/25 at 5:13 pm to rickgrimes
seems like you should be giving the advice
Posted on 12/13/25 at 6:16 pm to rickgrimes
I’m gonna say put the $350,000 into an etf or 2 like VTI
Then when you get to 55 or maybe couple years later start moving into income driven etf with good dividend yield
Then when you get to 55 or maybe couple years later start moving into income driven etf with good dividend yield
Posted on 12/13/25 at 8:29 pm to rickgrimes
My advice -
100% of US stock allocation in Vanguard Total Stock Market Index.
100% of US stock allocation in Vanguard Total Stock Market Index.
Posted on 12/14/25 at 7:29 am to rickgrimes
If you still like growth, put it in SMH. You're diversified but in growth. Be sure you fully fund your Roth every year too.
Posted on 12/14/25 at 5:41 pm to rickgrimes
I leaned into individual stocks more heavily until I reached the point where I felt comfortable with my overall wealth. I moved about 75% of my money into a few low cost indexes afterwards. I still play with individual stocks but don't make any big bets. I think of the s&p as the safest choice out there. If that is not a safe place to park money, then we are all doomed.
Posted on 12/14/25 at 10:33 pm to PlanoPrivateer
quote:
You are a lot more aggressive than me. I would put all $350,000 in VTI. Then I would ladder some stop loss orders on NVDIA and Tesla. I get nervous when any single stock is much more than 10% of my total.
Sounds like a very reasonable suggestion. Any thoughts on splitting the new cash between 5-6 different low cost Vanguard ETFs vs. putting it all in VTI?
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