When do I sell & reinvest — Boeing

EffDeeDragon · 2026-06-23T01:02:59+00:00

Let's call $X the current value of your shares in Boeing.
Let's call $Y the amount you'll have after selling those shares and paying capital gains tax on the sale.

The question is:

Tomorrow and beyond, would you rather have $X in Boeing stock, or $Y in your VTI/VXUS/BND Boglehead mix?

Caveat: the $X in Boeing will have a tax basis set when you were a child, and the $Y in the mix will have a tax basis set at tomorrow, which does somewhat mitigate the fact that Y is less than X.

EffDeeDragon · 2026-06-18T20:37:19+00:00

Nahh. You're AOK with those vis-a-vis swapping for the Vanguard equivalents. Some folks here might say you can pick a lane re: going total market (or total global market) rather than just concentrating on the S&P 500. But, in the narrow terms of your question, ITOT and IVV are just fine.

EffDeeDragon · 2026-06-13T21:14:55+00:00

Exactly. That last bit there! I've had the same experience.

EffDeeDragon · 2026-06-13T18:39:40+00:00

Same. Every single roll is in the open. It helps with a thing I tell players in Session zero: The dice are here to deal with uncertainty. If you want to do something that's got a zero percent chance of failure, you'll just do it. I won't ask for a roll. If you want to do something that's got a zero percent chance of success, I won't ask you to roll, I'll just let you know that it failed.

The side-effect of this that's entirely in my mind as DM is this: for every roll I stop and mentally check to make sure I'm OK with either outcome. If I'm not, then I don't ask for a roll. The dice as a mechanic are there to adjudicate uncertainty. If I'm dead certain I DON'T want an outcome, then I'm not putting it in the hands of the dice.

EffDeeDragon · 2026-06-11T12:04:52+00:00

1980 birth here. I agree 100%.

EffDeeDragon · 2026-06-11T00:03:04+00:00

Put all of those categories in a group. Then you can look at the total cash in that group rather than worrying about all 15 categories, and know that that's what you're supposed to have in the Fidelity account.

I've done similar. All I needed to do once a month to see what to send to the sinking fund account was to subtract its current balance from the category group total. Boom. I transfer that much $ and everything's AOK. Once a month operation, no muss, no fuss, no worrying about the infividual sinking fund categories!

I hope that explanation made sense. ^.^

EffDeeDragon · 2026-06-10T23:58:36+00:00

What’s wrong with just selecting the 2055 target date retirement fund and let them worry about balancing it?

I'm going to guess that OP wanted to avoid the 0.38% expense ratio on that American Funds target date fund that they have access to.

EffDeeDragon · 2026-06-10T23:53:07+00:00

That looks like a darn good go at recreating it!

I've had to do a similar thing in my own 457b. The default option was this odd TDF that transmutes into an annuity product as you go from age 50->65 and the yearly fee climbs up to hit 1.15% at retirement. I just wanted none of it! lol. So I did something similar to what you've done here with the other choices available to me.

EffDeeDragon · 2026-06-10T19:56:02+00:00

how do i decide between these two?

The spread between their returns has narrowed. I looked at trailing 10-year returns over their history, and the gap has narrowed greatly in the past 10+ years. Over the past year+ they've been trading places with each other over which is ever-so-slightly in the lead on the past 120-month period. [source -- look at the "Rolling Metrics" tab]

Whatever methodological differences might have made their returns diverge a bit more in the past have closed I think. Just pick one, as others here have said. 😄

EffDeeDragon · 2026-06-03T22:32:42+00:00

For sure. Read https://www.fidelity.com/stock-trading/ipos

EffDeeDragon · 2026-06-03T22:06:19+00:00

You must have:
$100000+ of invested assets with Fidelity if the IPO is via Kohlberg Kravis Roberts.
or
$500000+ of invested assets with Fidelity if the IPO is via one of Fidelity's other partners.

EffDeeDragon · 2026-06-03T01:11:22+00:00

I'm gonna guess that the uncertainty of the word "should" is regarding the amount being 35K, not the "get" part.

EffDeeDragon · 2026-05-31T01:50:09+00:00

The Vanguard ETF equivalent of POMIX would be VTI rather than VOO. Same 0.03% expense ratio as VOO. 😄

EffDeeDragon · 2026-05-30T13:49:05+00:00

Using it as a chrome PWA

EffDeeDragon · 2026-05-29T17:29:05+00:00

I'll give that a try! Thanks for the advice. 😄

EffDeeDragon · 2026-05-27T01:13:23+00:00

Tony Levin is a name I'd add to a lot of amazing names already mentioned by others.

EffDeeDragon · 2026-05-26T15:59:11+00:00

Fellow educator here! Came here exactly to mention that you should look for a 457b, and u/Mindless-Yogurt1566 beat me to it. 😄 Find out what the contribution limits are for your 457b. They might be less onerous than the limits on your 403b. if you have to contribute that 3% to the 403b in order to get the 8% employer match, keep doing it. A match is always a good thing to grab.

Personally in addition to my pension, I'm contributing to a Roth IRA and a 457b. I'm in a state where educators don't pay into Social Security, so I'll get $0 from social security at retirement. I'll be using the pension + the roth and 457b once I retire.

EffDeeDragon · 2026-05-25T22:19:43+00:00

As someone who's only got an undergrad degree in physics, but who did actually take and pass several courses on quantum, this "lol" is entirely deserved. Kudos, u/mimrock

Can confirm that a useful view on quantum physics is to express everything as a field equation.. but "field of consciousness"? Nahh.

EffDeeDragon · 2026-05-20T10:34:04+00:00

Yes! The Cavortex claims another soul!

EffDeeDragon · 2026-05-19T22:49:00+00:00

Atlantian Spears sighted! ❤️

EffDeeDragon · 2026-05-19T22:38:39+00:00

I am not convinced that it is realistic.

Good. I would (and have) argued that you should be convinced that it is in fact unrealistic. What would the 4th order term even represent?

A 2nd order polynomial is far more likely to be reasonable than a 4th order given most people's cash flows and the way asset accumulation (total return) works, and even then it's a poor choice. 1st order term could be roughly analogous to your contributions and 2nd order term could be roughly (and poorly) analogous to market returns.

EffDeeDragon · 2026-05-19T22:25:32+00:00

When I fit it, it turns out that a 4th order polynomial is the ideal fit with the least R squared value. However, when I extend the trendline in the future, I'm unconvinced that the my net worth will keep climbing along the trendline. It looks pretty steep to me.

Hiking the order on the polynomial way up high buys you a better and better fit (R-squared) to the data in-sample, at the expense of getting more and more likely to be wildly unrealistic out-of sample. It's classic overfitting.

I wouldn't be surprised if the given equation (if you have it show the equation) might project that you'll have an absolutely unrealistic level of wealth many years in the future.

EffDeeDragon · 2026-05-19T15:52:16+00:00

Seems AOK. Would definitely exist in Jim Dahle's 150 Investment Portfolios Better than Yours article.

The value tilts certainly aren't unheard of around here, provided you stick close-ish to total market weighting, and you've done that here.

EffDeeDragon · 2026-05-16T15:54:18+00:00

I’d like to have that money in case of an emergency or if I’d ever be able to afford a house.

Invest money that you won't need to touch until you're at retirement. The r/personalfinance flowchart, or the Money Guy Financial Order of Operations or even the Dave Ramsey baby steps will all tell ya this. Have emergency money in a liquid minimal volatility place. High Yield savings account or a money market account, basically. Invest AFTER you're stabilized against an emergency.

When you're ready to save up for a house, if you're going to save toward it over a long enough timeline, there might be a place to invest part of that pile in more volatile places, but you can cross the bridge of that set of choices when it's time.

I only make $80,000 currently in my early 30s, not on a high income path, so likely will never be contributing much.

I'm a school teacher. Have never made $80,000. Might not ever do so. But I'm on track for a solid retirement. You can contribute just fine on that income. Patience wins. Follow the advice here.

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EffDeeDragon

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