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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
7
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.
Posted on 1/3/26 at 9:07 am to SidewalkTiger
You are on the right track. Maxing out your Roth at a young age is a good choice. As your income grows, you should also fund a traditional tax deferred account, which lowers current year taxes. It also provides tax diversification options for you down the road when you are pulling money out of retirement accounts.
Nothing wrong with using indexes, even in taxable accounts. The majority of my money is always in indexes for diversification. And they require less knowledge than investing in individual companies.
It is odd to only break even in the market we have been in for a while. You might need to use a financial advisor. I will say that investing in individual companies should increase your investing knowledge over time. That is a benefit in the long run. You might be chasing big profits thru risky choices. That could be why you aren't winning at it if you missed too often. You could try to stick with more proven winners with your individual stocks. You can make money with Google, Nvdia, Broadcom, Netflix, Amazon, Apple, Walmart, ... Don't try to be an expert stock picker; don't try to outsmart the market. Go where it tells you to go by jumping in on what the market already likes. There is usually a good reason why specific stocks are increasing. They are usually good companies and good investments. Good luck.
Nothing wrong with using indexes, even in taxable accounts. The majority of my money is always in indexes for diversification. And they require less knowledge than investing in individual companies.
It is odd to only break even in the market we have been in for a while. You might need to use a financial advisor. I will say that investing in individual companies should increase your investing knowledge over time. That is a benefit in the long run. You might be chasing big profits thru risky choices. That could be why you aren't winning at it if you missed too often. You could try to stick with more proven winners with your individual stocks. You can make money with Google, Nvdia, Broadcom, Netflix, Amazon, Apple, Walmart, ... Don't try to be an expert stock picker; don't try to outsmart the market. Go where it tells you to go by jumping in on what the market already likes. There is usually a good reason why specific stocks are increasing. They are usually good companies and good investments. Good luck.
Posted on 1/3/26 at 11:27 am to SidewalkTiger
quote:
Does it make sense to just buy index funds in the taxable account and roll with it?
Why wouldn't you do a Roth IRA?
Order of operations, contribute to the 401k up to the point you get the maximum match from your employer, then max out an IRA, then if you can do more, max out what is left in the 401k. After you've done all of that, then you can look into some taxable accounts or other avenues for tax deferment depending on fund availability.
This post was edited on 1/3/26 at 11:28 am
Posted on 1/3/26 at 8:29 pm to KWL85
quote:
It is odd to only break even in the market we have been in for a while
I bought some of those junk "high yield" income ETF's like YieldMax and sold them when they started plunging.
Posted on 1/3/26 at 8:32 pm to GoCrazyAuburn
quote:
Why wouldn't you do a Roth IRA?
I wasn't sure if I could do both a Roth 401k and a Roth IRA.
Posted on 1/4/26 at 12:03 am to SidewalkTiger
Yes you can do both. 401k has no bearing on IRA availability.
Posted on 1/5/26 at 3:49 pm to GoCrazyAuburn
True, but both have income limits. Some have to use back door to contribute to a Roth. I think the limit is around $250k. Traditional has limits for taking the deduction. If you make too much, you can make your contribution, but it is not tax deferred. These rules do not apply to company 401ks, at least they didn't while I was working.
This post was edited on 1/5/26 at 3:50 pm
Posted on 1/6/26 at 12:27 pm to KWL85
There is no income limit for a Roth 401k, other than just the normal 401k contribution limits.
Posted on 1/6/26 at 2:58 pm to GoCrazyAuburn
Agree. There is if contributing to a Roth IRA, but not if using a Roth 401k.
Posted on 1/6/26 at 8:18 pm to SidewalkTiger
If eligible set up an HSA. Hands down the best savings vehicle. Just cant put a whole lot into it.
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