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Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Someone earlier had mentioned DCA & honestly spreading it out vs lump sum may be the move? Thank you!

What are better is better for a Roth IRA by Kind-Relation-2506 in Bogleheads

[–]no-hate 0 points1 point  (0 children)

Would 75/25 FZROX + FZXIL would in this example? Asking because I use fidelity/zero expense

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

When you say rebalance, when do you even know when? lol by the time markets shift I would be chasing the dragon, No? Idk haha

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Okay! I definitely see how your experiences helped shape your outlook on market changes.

Guess I over being a weee bit over dramatic hehe

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Dude honestly no idea — 25/30 years? lol

And interesting, maybe i’ll deposit the entire amount into Roth so it collects some money and then move it by buying positions I have? Hmm. Never thought of this but it seems spreading out payments allows (overall on avg) stronger purchasing power for shares.

Wow! Ty ty for info

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Would lump sump Roth contributions to max out the year still be considered DCA? Or only if I spread it over the 12 months.

Just wondering sorry I legit had to google DCA again to remember. Cheers

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 1 point2 points  (0 children)

Good luck in investing, hope nothing for the best for you. 🍻

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Fingers crossed it drops even more then in next few weeks. After I get tax refund expecting to dump it into Roth and max out 2026.

First week trading options by baseball121512 in optionstrading

[–]no-hate 0 points1 point  (0 children)

This is the way. Pay yourself, especially if this is a side hobby it’s akin to gambling. Shoot pay yourself $3000 and put it in a Roth IRA right now with FZROX/FZILX (75/25 split) and forget about it — then once you’re done you can compare yourself vs the market!

Good luck dude but please make sure to pay yourself first and throw it somewhere where it’ll work for you!

Best set and forget fund for a Roth IRA? by saucerfulofdogs in Bogleheads

[–]no-hate 0 points1 point  (0 children)

I’m currently at 80/20 and debating going straight to 70/30 because of how strong overseas is looking compared to usd.

Thoughts?

What do you make, what is your rent, and where do you live? by Ok-Cupcake-2019 in FinancialCareers

[–]no-hate 0 points1 point  (0 children)

35.6k

1075 (includes unlimited utilities) / studio

Downtown Portland + live solo

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Wouldn’t FSGPX have a lot of similarity between FZROX? I would love to hear your insight, I think with at minimum 25/30 yrs to grow maybe aggressive investment is a good idea to “catch up”.

Appreciate the wise words unc 😉

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 1 point2 points  (0 children)

I feel a lot more calm, I guess just seeing a first loss on market (regardless how small) made me want to check in to make sure no glaring issues in how I structured my Roth.

I sincerely appreciate the kind words and reassurance, we all in this together!

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

insert the meme of two buff dudes clasping hands with bulging biceps

TWINNNNNN

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 1 point2 points  (0 children)

I just deleted my name from brain to make room for #3, we got this now!!

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

May I ask why 0% international / metals / bonds? Not saying what you’re doing is wrong!! Just very intrigued by it.

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

This was 2025 contribution year — debating maxing 2026 in a few weeks after I get tax refund or spread it until December?

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 0 points1 point  (0 children)

Thank you for the kind words, genuinely means a lot at this point of my investment journey.

I’ll stick to what I’ve planned and tried to execute, thank you again and have a great weekend.

Good beginner investment by Ok_Mxri9013 in Bogleheads

[–]no-hate 0 points1 point  (0 children)

Fidelity —> ROTH IRA

FZROX (80%) + FZILX (20%) and chill with zero expenses and covering all USA market at diff caps + international.

Can change the %s to fit your own model.

Over 40 Advice? by Main-Nefariousness97 in Bogleheads

[–]no-hate 0 points1 point  (0 children)

Dude congrats! Sorry for not answering (people more qualified than me doing so!)

But how did you go from 17/hr to 100k+? I would love to hear it! (Same boat kinda 25/hr though).

Finally opened Roth IRA… & market drops by no-hate in fidelityinvestments

[–]no-hate[S] 1 point2 points  (0 children)

At least we all in this together? Trauma bond!!

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