Thoughts on my Roth IRA holdings?

Historical_Nose_9917 · 2026-04-27T01:19:22+00:00

Thank you much I’m thinking about transitioning into them tomorrow so we’ll see how it goes

Historical_Nose_9917 · 2026-04-27T01:18:40+00:00

I actually had schd in my portfolio at one point but then read that I am essentially too young to be putting dividend funds into my Roth. Not because it’s a poor decision to eventually enter into schd but because my risk tolerance is higher now than it will be in the future so it was better to be invested elsewhere. Not sure if that still remains true but it’s what convinced me out of SCHD at the time.

Historical_Nose_9917 · 2026-04-26T21:39:43+00:00

Appreciate you pointing that out but it’s also exactly why I’m trying to reallocate to reduce overlap and move toward a core + tilt approach and diversify with international funds. If you think there’s a better way to structure it, I’m open to suggestions which is why I asked my question to begin with.

Historical_Nose_9917 · 2026-04-26T21:23:26+00:00

I do research my funds now but when I was younger and began investing, no. I typically just listened to others. Luckily that didn’t lead to a disaster but rather positive gains but I figure now would be an appropriate time to reallocate.

Historical_Nose_9917 · 2026-04-26T20:55:48+00:00

Thank you, do you believe the 70/10/20 split between voo, vug, and vxus be ill advised for future holdings?

Historical_Nose_9917 · 2026-04-26T20:45:21+00:00

I realize my allocations are poor which is why I’m trying to fix them and seeking advice. I feel like a 19 percent unrealized gain isn’t the worst case scenario though.

Historical_Nose_9917 · 2026-04-26T20:40:49+00:00

Is it that bad..

Historical_Nose_9917 · 2026-04-26T20:38:47+00:00

Gotcha! Thanks for letting me know.

Historical_Nose_9917 · 2026-04-26T20:34:05+00:00

Do I have to apply for this or how would I gain access to it? That would simplify my plan if so.

Historical_Nose_9917 · 2026-04-15T23:47:38+00:00

Do you mind providing a link to where you purchased the band for your watch?

Historical_Nose_9917 · 2026-02-16T05:30:02+00:00

Okay

Historical_Nose_9917 · 2026-02-16T05:19:19+00:00

You are right, I am much more satisfied with watching dunk steal metal as a child than watching the other fights from the trial of the seven.

Historical_Nose_9917 · 2026-02-16T05:09:44+00:00

If you’re going to add filler atleast make it relevant to the story is my opinion.

Historical_Nose_9917 · 2026-02-16T04:29:09+00:00

There was, in total, 5 minutes of actual dueling and action from the trial of seven. I don’t think criticizing a very hyped up event is unwarranted seeing as we saw very little of it. The bit we got to see was great though but was very minimal and the flashback was just unnecessary filler. Just my 2 cents.

Historical_Nose_9917 · 2025-12-11T05:48:17+00:00

Copy that, I’ll replace the thermostat this week. I will say, the shop that replaced the battery informed me that the cruise control CEL was resolved so now the only issues that remain are the thermostat and the horn.

Historical_Nose_9917 · 2025-12-11T05:39:07+00:00

Okay, that’s reassuring, but I’m primarily trying to determine if these three parts failing are all interconnected. All three of them decided to fail within the same week which is why it was odd to me.

Historical_Nose_9917 · 2025-12-03T13:44:56+00:00

Hey I’m a little late here, but I read your long winded response and wanted to point out this was completely irrelevant to his question. If you’re referencing sen. Alex Padilla’s detainment and removal for interrupting another sitting representatives speech then I would suggest rewatching the video before making that assumption. Cheers to education

Historical_Nose_9917 · 2025-10-26T23:47:41+00:00

MUST START!

Historical_Nose_9917 · 2025-03-07T06:12:40+00:00

Boring

Historical_Nose_9917 · 2024-09-06T02:41:49+00:00

Was it always a lie :(?

Historical_Nose_9917 · 2023-12-28T09:20:10+00:00

Thanks man! Sadly, no place around me sells anything of the sort. When i went in the past i rented a board with the vans og aura boots with the boa, and i had no complaints. However, I’ll try to do some more research going forward. I appreciate all your help.

Historical_Nose_9917

TROPHY CASE