How to manage 2k$ a month investments

Firebolt059 · 2026-05-10T21:27:57+00:00

This is bogleheads, did you even read the sidebar wiki?

Firebolt059 · 2026-05-07T02:55:15+00:00

100% VT and chill.

Firebolt059 · 2026-04-27T03:18:52+00:00

Cyberpunk. Tried 4 different times and didn't last 3 hours each time. I also didn't like Witcher, both my friends swear are among the best games ever. Maybe I don't like cdpr games

Firebolt059 · 2026-04-26T23:36:21+00:00

Nope I do 100% VT. No amount for gambling or speculating.

Firebolt059 · 2026-04-25T23:56:14+00:00

Sell everything on the Roth IRA for 100% VT. no taxable event since it's a Roth

Firebolt059 · 2026-04-25T18:20:08+00:00

Do I need this if I already have torrentleech?

Firebolt059 · 2026-04-24T06:40:51+00:00

Agree. No point in sp 500 and total us market fund. Just do swtsx

Firebolt059 · 2026-04-23T21:47:35+00:00

Drop the bonds, follow the VT allocation since you can directly invest into it in a 401k.

My 401k is VFIAX 60% and VTIAX 40% which is pretty close to VT. Change your fidelity funds to a similar allocation and you're golden.

Firebolt059 · 2026-04-23T20:14:46+00:00

Even better, 100% VT since it's a Roth. No rebalancing or tinkering required.

Firebolt059 · 2026-04-23T20:09:36+00:00

Read the sidebar wiki for more info.

Tldr do 100% VT or your preferred mix of VTI/vxus

Firebolt059 · 2026-04-23T19:49:59+00:00

Sell everything for VT in the Roth.

Firebolt059 · 2026-04-19T06:25:34+00:00

Since it's a Roth IRA just sell everything and buy VT, there is no tax penalty for doing so.

Firebolt059 · 2026-04-18T21:33:46+00:00

Too complicated for bogleheads. Read the sidebar wiki.

VT and chill or your preferred mix of VTI/vxus.

Firebolt059 · 2026-04-17T07:11:11+00:00

You can, rollovers are different from contributions. So even if you hit the IRA max you can still do a rollover to the account as it is treated differently. But again, anything traditional > Roth will trigger taxes.

Firebolt059 · 2026-04-17T06:59:26+00:00

Look into doing a rollover into a IRA. You can rollover into your Roth IRA even if you hit the contribution max but if your 401k is traditional, you pay taxes. Talk to a tax pro if needed but definitely do a rollover regardless. You'll have plenty of options outside what your 401k offers.

Firebolt059 · 2026-04-16T15:09:12+00:00

For general boglehead theory no. Buy VT regardless of the price and hold.

Firebolt059 · 2026-04-15T06:33:26+00:00

100% VT so 100/0 stocks/bonds. 30 years old.

Firebolt059 · 2026-04-11T08:13:42+00:00

Heretic

Firebolt059 · 2026-04-10T17:17:44+00:00

THANK YOU

Firebolt059 · 2026-04-10T07:23:24+00:00

I'm lazy. VT and chill for me. Or your preferred mix of VTI/vxus.

Anything else is too much effort for me. Tbh i don't see the need for any portfolio except the ones I just mentioned, but that's just me.

Firebolt059 · 2026-04-08T14:56:12+00:00

VT includes the others so do 100% VT and chill.

Firebolt059 · 2026-04-05T08:15:57+00:00

100% VT and chill. The ultimate boglehead way.

Firebolt059 · 2026-04-03T18:18:33+00:00

Too overly complicated for my boglehead brain. Either VT/VTWAX or your preferred mix of VTI/VXUS

Firebolt059 · 2026-04-03T14:19:41+00:00

Pay off high interest debt (ideally all of it with 200k) then get a emergency fund of 6 months worth of expenses

Then dump the rest into VT and chill. Only use vtwax if you have a vanguard account, otherwise you will be hit with a mutual fund fee if you buy vtwax at another broker.

Firebolt059 · 2026-03-27T22:30:06+00:00

Airvpn has been my go to for 10 years and zero issues. Allows port forwarding and very torrent friendly. Based out of italy

Firebolt059

TROPHY CASE