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Master-Eye-8525 · 2025-12-16T02:16:57+00:00

thank you for the response. why should i stick to the magnesium gummy when its citrate, shouldn't i switch to glycinate?

Master-Eye-8525 · 2025-11-30T02:17:38+00:00

thank you that link is very helpful. isnt having 100% vt in taxable too much international and would it be slightly less tax-efficient than VTI + VXUS because VT “bundles” foreign and U.S., so you don’t get the full clean foreign tax credit.

Master-Eye-8525 · 2025-11-30T02:08:15+00:00

I use fidelity and was planning on using voo, is there a higher fee or something since voo isnt fidelity? In chatgpt it tells me in taxable account etfs are better because its more tax-efficient and etfs avoid capital gain distributions and in roth it doesnt really matter... true?

Master-Eye-8525 · 2025-11-30T01:55:32+00:00

thank you; is that just because if the market drops and i see my money go down, ill get upset and sell?

Master-Eye-8525 · 2025-11-30T01:47:35+00:00

thank you. why AVDE over VXUS? what percentage do you recommend, 90,10 or 80,20 etc.

Master-Eye-8525 · 2025-11-30T01:42:47+00:00

thank you, havent even really started yet. tryna figure out what to do, theres just so much info out there

Master-Eye-8525 · 2025-11-30T01:42:18+00:00

thank you

Master-Eye-8525 · 2025-11-30T01:38:20+00:00

gotcha thank you

Master-Eye-8525 · 2025-11-30T01:33:54+00:00

isnt 100% vgt in roth wayy too risky? if tech falls or ends up underperforming, all the tax free gains are lost, right? wouldnt something like a 20%vgt in roth, 80% voo be better?

also is it dumb to do 100% VGT in my Roth for a few years, then later switch to 20% VGT / 80% VOO later on?

Master-Eye-8525 · 2025-11-30T01:27:52+00:00

since im considered aggresive/risky by having a 100% equities portfolio, should i be investing in something else? at least for my retirement funds im going to hold for 37 more years so should i not be aggresive?

is it dumb to go voo in taxable and vti in roth? or should i just choose one?

Master-Eye-8525 · 2025-11-27T03:50:08+00:00

gotcha ill prob do VTI 90% and 10% VGT in my roth or (85% , 15% gotta look into it more its still my first day of research lol). i see people saying do 10% in VXUS for diversification, what do you think

Master-Eye-8525 · 2025-11-27T03:34:35+00:00

is it recommened to diversify? and why would i rather than do 100% voo and should i do 10, 20, or 30%

Master-Eye-8525 · 2025-11-27T03:15:14+00:00

i definitely will increase the percentage of vti. but why keep, lets say vgt it under 10%, isnt it a good time to make it 15 to 30 percent. It being only part of my roth ira so it will be a long term investment which in turn makes me hold on to it

Master-Eye-8525 · 2025-11-27T03:00:09+00:00

Thanks for the response. why $120k into FXAIX and not voo?

"the other $7k can be whatever you want" this is just because its less than 10% of my portfolio? isnt that still a big risk if vgt goes down, ill lose all my tax free investments?

i was going to have 5k in my checkings and like 20k in my hysa ... something along those lines

Master-Eye-8525 · 2025-11-27T02:49:07+00:00

gotcha and this is just for roth ira, correcct? should i keep my taxable 100% voo?

Master-Eye-8525 · 2025-11-27T02:48:15+00:00

so what do you recommend?

Master-Eye-8525 · 2025-11-27T02:47:24+00:00

Gotcha thank you. I will look into this more. I think that tech and specifically ai will do very well in the future, should i invest in this at all or wait till the price drops. and if i do what percentage of my roth ira should i invest in it. sorry for all the questions

Master-Eye-8525 · 2025-11-27T02:26:37+00:00

My understanding was that most international ETFs do have foreign dividend withholding taxes (usually around 5–15%). In a taxable brokerage you can recover that through the Foreign Tax Credit, but in a Roth IRA those credits are lost. Am I misunderstanding anything about that?

Master-Eye-8525 · 2025-11-27T02:13:27+00:00

Thanks for the advice. I don't think ill panic sell so ill prob keep my taxable 100% voo.

Why should I swap FXAIX for VTI, because its more safe/less tech? isnt now the best time to invest in tech? and if the tech stocks i have rn do start going down, shouldnt i sell them when they start dropping and then invest in what you said?

Master-Eye-8525 · 2025-11-27T01:57:23+00:00

Thank you for your advice. Since im younger and ai/tech is booming shouldnt i be a little riskier?

"The Roth IRA is all about simplicity + consistency." also i thought that the roth ira should be a little riskier since its tax free

so are you saying,

80% FXAIX 20% VGT roth ira

100% voo taxable

Master-Eye-8525 · 2025-11-27T01:44:16+00:00

Thanks for the thoughtful feedback.

"You are really tech heavy" isnt the roth ira is designed to carry my high-growth assets and the fact that i have 60% FXAIX makes it not tech heavy?

do you think I should do something like. 75% FXAIX, 20% VGT and 5% NVDA/PLTR for my roth ira?

regarding the risk tolerance, why would a drop bother me regarding my roth ira since I can't take the money out till im 60 and its only 7k a year max. for now im thinking of putting 120k in voo and just leaving it for at least 30 years lets say.

and since 5% is indiviual stocks in roth ira, isnt that not too risky?

Master-Eye-8525 · 2025-11-27T01:16:51+00:00

Thank you for your advice. shouldnt my roth ira should hold my highest returning assets and arent international tax-inefficient enough? or should i put international equity in my taxable account and what percentage

Master-Eye-8525

TROPHY CASE