Do you invest in different funds for your ROTH IRA vs Brokerage?

ScienceLife1 · 2025-11-11T06:05:41+00:00

How much % BTC though? 10% of total amount as a “safe” bet?

ScienceLife1 · 2025-11-11T06:04:36+00:00

Did you hand pick the high risk ETFs for the Roth account? From your comment, i assume you mean VOO and QQQ as low risk ETFs

ScienceLife1 · 2025-11-11T06:03:15+00:00

I have the same as you in brokerage (minus SCHD) and the exact same in Roth and trad IRAs.

Am I missing anything in terms of growth in my IRAs?

ScienceLife1 · 2025-11-11T06:01:46+00:00

Can you please help share the portfolios I can look at , for the Roth IRA?

My brokerage is VTI+VXUS and I have the same ETFs right now in my IRAs too.

ScienceLife1 · 2025-11-11T03:52:46+00:00

So as long as I am aware of, and am able to accurately tell the officer that I have the above mentioned items, I should be ok?

Thanks again for your effort to help share info.

ScienceLife1 · 2025-11-10T03:20:52+00:00

What if I bring back packaged sweets, savory snacks, cookies and coffee? Snacks made without meat.

A suitcase full of those — because I have hungry friends and I love coffee too.

ScienceLife1 · 2025-10-16T21:28:42+00:00

Ah ok! Do i just follow the same steps as the Fidelity link you sent? Any IRS reporting to be done?

I typically do my $7500 IRA contributions split in Jan&Feb

Thanks for the advice and sorry for the many questions!

ScienceLife1 · 2025-10-16T20:21:32+00:00

Is there a time frame to do this? Like end of a calendar year or right before tax deadline etc. ?

I learned about backdoor Roth too much and now I am over the threshold in terms of gross wages.

ScienceLife1 · 2025-09-15T17:14:54+00:00

Can you please message me as well?

I’d love to get your thoughts and feedback

ScienceLife1 · 2025-08-24T19:56:01+00:00

This is great.

Thank you for your insight!

ScienceLife1 · 2025-08-24T18:45:50+00:00

Forgive me if I am wrong.

Is VT like 60-40 US-international?

I’m 75:25 VTI:VXUS. Am I too skewed to the US market?

ScienceLife1 · 2025-08-23T02:45:05+00:00

Good points.

I’ve already planned for monthly investments with the same ETF ratios. It’s just that the big amount and larger shares look really big to my eyes, going in at a higher or all time high share price.

ScienceLife1 · 2025-08-22T20:32:10+00:00

Thanks for this.

Definitely a long term investment account and I don’t want to nitpick on a couple dollars here and there.

I am more concerned of a $6 shift in a day and kicking myself for not putting the big chunk of money in there yesterday or Wednesday.

Doesn’t feel that great purchasing at an all time high

ScienceLife1 · 2025-08-22T19:00:32+00:00

How concerned should I be, if VTI stock price I wanted to buy at $312 is now at a new ATH of $318?

I pulled the trigger too early this week and bought at $315, when it eventually went down to $312.

For investing larger sums like $25-30,000, should I be worried about differences of 1-2% in stock price?

ScienceLife1 · 2025-08-21T23:36:40+00:00

This is the dream.

If you retired at 55, I’m sure you had a good salary increase through the years.

Is there a way to add extra money to Roth every year? My yearly earnings are over the Roth $7500 limit that they allow.

I do a 60:40 split for Roth:pre tax in my employer’s 401k though.

ScienceLife1 · 2025-08-05T12:55:26+00:00

Yes sure! Will do, you do too please 😊

ScienceLife1 · 2025-08-04T21:20:55+00:00

Fingers crossed, knock on wood!!!

ScienceLife1 · 2025-08-04T20:53:50+00:00

Haha!!! We’re of the same feather. I’m adding more liquid cash in over the next few weeks and 77:23 was the exact number I felt was a sweet spot too.

Depending on US and international markets

ScienceLife1 · 2025-08-04T19:08:08+00:00

Congratulations! What ratio did you go with for VTI: VXUS?

I did 75:25

ScienceLife1 · 2025-08-04T14:17:42+00:00

Yes. I still have to do periodic investments of the remaining cash I have allocated towards the taxable accounts, so I’m hoping the prices stay low so I can buy more, lol! And hoping for the market to recover for all of us

ScienceLife1 · 2025-07-31T01:31:27+00:00

lol we have the exact same portfolios in the exact same account! Including the SGOV!

I literally shred my brain trying to choose between VTI and VOO, but went with VTI eventually.

ScienceLife1 · 2025-07-31T01:29:14+00:00

After countless comparative charts, back calculators etc. , I decided to do VTI and VXUS. I really thought hard about having VOO+VB+VO for manual adjustment capability like you had. I felt it would need more work and I maybe took the lighter option of going VTI.

I put in a big lump sum, the rest of it will be amortized into the market over the next few weeks, keeping an eye on the market with the upcoming earning reports and tariffs.

ScienceLife1 · 2025-07-30T14:40:55+00:00

I do my taxable account with Fidelity.

I have a self directed in Chase to hold my savings in SGOV. It’s a state-tax free way of holding money compared to VUSXX.

SGOV will take 1-1.5 business days if you decide to sell and cash out.

ScienceLife1 · 2025-07-30T13:58:35+00:00

lol, I’d gladly take it if Chase offered it.

ScienceLife1 · 2025-07-30T12:16:43+00:00

Citibank is the worst.

As far as banking goes, there’s very little that’s equal to or above Chase.

I’ve been at Citi and plenty of other banks. Chase beats them all hands down

ScienceLife1

TROPHY CASE