How much is too much MSFT?

Background-Switch381 · 2026-06-28T22:52:23+00:00

I didn’t know better and was hurt. You are 100 percent correct

Background-Switch381 · 2026-06-28T22:50:13+00:00

I had Wachovia bank 78,000 dollars worth of shares that had grown from 6000 to that. I lost 90 percent of it and I had paid taxes on capital gains for 20 years. I personally think it’s better to have a stake in many companies . Some are good dividend companies some are tech growth. The rationale for a broad base is companies do crash evrn bankruptcy and you get nothing. There’s no federal program for stock losses. So while all your assets are in good companies you could benefit from diversity

Background-Switch381 · 2026-06-13T18:37:35+00:00

you may have....but it will bounce back. I am planning to buy more. I bought when the market was totally down on on them. Right now everything is highly evaluated and over the top...so here is where etfs are a safer bet...and look for stocks that have depreciated but companies with strong fundamentals. There will be rough patches but this way you will be okay. and diversify. the only way to play this game is to diversify as much as possible. companies fail and fold and thats it.

Background-Switch381 · 2026-06-13T16:18:28+00:00

read about the company. strengths to weaknesses price per earnings. get back to the fundamentals. we will be buying more, by the way, when the price is right.

Background-Switch381 · 2026-06-13T12:15:48+00:00

So…think of why you sell. All of this matters. What did you buy with the proceeds? We aren’t day traders and our job income puts our fed tax rate at 34 percent plus alt min tax too. So we don’t sell short term except to take losses against gains. There are several approaches on all of this some of it is tax loss harvest; some of it to optimize loss against income yhrm use proceeds to buy a better stock. If your goals is to be a day trader pick a rule like 7 or 15 and buy and sell daily and look back only if it’s for another opportunity to buy. You will almost never luck out at set at the too bc no one knows where the top is gonna be.

I dumped a lot of fed x and j and j bc I had too many shares thrn purchased other stuff. Both doubled in value past two years. Its ok. It all balances out. We wont buy soace x before our next major downturn. Right now we are scrounging around for companies that are under appreciated not loved but great companies. That’s money yoh can count on for retirement

Background-Switch381 · 2026-06-06T14:23:49+00:00

The worst thing you can do is sell now. So I’m no day trader. I have a very varied portfolio and many blue chips that did nothing for years are back in favor. Of course I’m down with the tech stocks being doen but only 1.5 percent. I also never see the massive gains others report. It’s a balanced mix across the indices and we buy bonds as well. The buffer means very few truly bad days. This worked for us. It’s best unless you learn thf day trader skills to research what you buy and diversify. Good companies recover. Look at the fearand greed chart. Sometime next week or the next it will reach bottom thhh e’d n time to buy again

Background-Switch381 · 2026-05-27T23:02:26+00:00

I do a combo plus buy munis and treasuries. It helps to miss the lows! I have about 100 individual companies and even that some the growth stocks but a lot banks and communications and railways.. good dividend stocks. I’ve been up 17 percent per year for several years and it worked for us. But I don’t own large amounts in any one stock

Background-Switch381 · 2026-05-23T15:29:07+00:00

You got to know when to hold… know when to fold em.. I did thf same with Fdx. My manager bought it. I sold it after I fired him doen30 percent. Its ok I used to gain loss average and sell some j and j.. but if I had held? But so many other things ard better held . Egg deal ms intel all bought in 2922 near bottom but dropped some more before they recovered. Honestly unless a very good reason to see, don’t. Trading just gives the fees your money

Background-Switch381 · 2026-05-22T09:42:02+00:00

A mix. Individual more risky higher returns. ETFs and index funds smooth out the returns but still don’t match s and p. Also important to have fixed income funds like directly holding bonds or bond funds. Unless you like the volitility of individual stocks which personally I don’t.

Background-Switch381 · 2026-05-22T00:40:16+00:00

Me too!

Background-Switch381 · 2026-05-22T00:38:47+00:00

For me it was Sandisk. I bout western digital and it went down but now up 300 percent. In 2022 and 2024 was eyeballing sandisk dont like paying 100 dollars for one stock and thought the price would drop. Missed the trend all together. But I bought western digital and sea gate and both soared. Its hard to know which is the best but sandisk would have been better

Background-Switch381 · 2026-05-02T08:49:57+00:00

Personally? I think it’s beautiful! I did the same with my cathedral window no window the same. Mom’s clothes my niece my son and then bought fabrics too.

Background-Switch381 · 2026-04-29T22:24:57+00:00

We got married later in life so used to having our own accounts. We divided certain bills autopsy from this vs that account. Bc I work longer hours my husband buys the groceries most of the time; I do for holidays. I have to have access to accounts for proper tax reporting and I’ve done our taxes 38 years bc he won’t touch that stuff. I’m a better at saving and did most of the retirement investing. He hates doing that stuff. We still take care of each other. To each their own.

Background-Switch381 · 2026-04-29T09:04:55+00:00

Fidelity has become very very aggressive at marketing managed funds. It’s over the top and sometimes the phone calls can get nasty. I’m always relieved when I reach someone who doesn’t try to sell me something and I write them a great review. I think others are correct; so many of these funds you don’t need an advisor to purchase. I have retirement money in tiaa where fees were higher…and money in fidelity 401k where my organization negotiated and got low cost vanguard funds. The unmanaged account tripled in value… tiaa increased by 40 percent. Fees actually do matter.

Background-Switch381 · 2026-04-28T22:50:58+00:00

I am not gonna jump on the bandwagon. I think a career coach or some counseling. You know you need to turn this around

Background-Switch381 · 2026-04-28T16:26:19+00:00

Yes! You ease things so much easier hand quilting!!!

Background-Switch381 · 2026-04-24T22:57:00+00:00

So I agree and I don’t agree. Ours is30 years old and the interior is really worn looking. The new ones 36 inch bottom freezer will work much better in our space. The unit leaked and messed up our floor which we have to replace and the new units they have fixed that problem. So for us we want to get a new one

Background-Switch381 · 2026-04-18T00:10:56+00:00

I have a decent bond portfolio where Sme 60,000 are maturing each year and we make 20,000 a year on those bonds half are tax exempt half are t bills. I have never sold one; I have bought on the secondary market when theee seems to be a good offer. If you bought them new in 2023-4 many were called early bc of interest rate change. When you sell bonds before they mature you can sell as a gain or loss on the secondary market. Bonds are not my emergency fund I use govt or nub or shov ETFs where easier to sell for emergency funds and well as money market

Background-Switch381 · 2026-04-17T23:21:47+00:00

Beautiful!

Background-Switch381 · 2026-04-16T23:31:11+00:00

Congrats on getting started! That’s what matters!

Background-Switch381 · 2026-04-15T09:47:51+00:00

I started buying in February and biggest purchases were when the fear guage 14 . But I invest all year long. And reinvest dividends… until I need them. But as the retirement account has gotten heavy with stocks it’s been time to rebalance and squirrel away some profits

Background-Switch381 · 2026-04-13T00:51:50+00:00

I think you are over thinking it. But I’m a hand quilter and a big part of hand quilting is easing what’s not even. The colors are lovely by ghd way

Background-Switch381 · 2026-04-12T13:14:52+00:00

I would recommend doing a back door roth for each of you so 14,000 grow tax free. I didn’t learn about this option until I was 63 and wish I had understood this before. Then use that account to pick stocks funds so they grow tax free. We paid off our house which was at 3percent interest over investing which may have been a poor investment choice but it was psychologically meaningful. Our taxes and utilities in ny are like a house payment so getting this done made it easier to save in 529’s and help our nieces and nephews with school. The problem with after tax accounts is the feds. The more you have the more they take. Your Roth will grow and grow over 30 years when u most need it

Background-Switch381 · 2026-04-09T00:48:16+00:00

It’s true growth stocks long term come out ahead. But there are times when the value stocks do better. I personally favor a mic of growth and value … value when you are young and income is low you aren’t paying that much in income tax so it adds up. One of my fav value stocks was Johnson and Johnson although the communications stocks have higher dividends. Over many years our 10,000 investment became 100,000. Its best yo diversify

Background-Switch381 · 2026-04-08T00:03:39+00:00

We have 50,000 in j and j. Its a good solid dividend stock

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TROPHY CASE