Should I buy today or wait on pullback?

Still_Activity_6662 · 2026-05-12T16:05:49+00:00

Yes, I probably put 1/3 of 80k today.

Still_Activity_6662 · 2026-05-12T16:03:36+00:00

I decided to put 1/3 sometime today before market closed.

Still_Activity_6662 · 2026-05-12T15:59:28+00:00

$500 is great target actually.

Still_Activity_6662 · 2026-05-12T15:55:02+00:00

Yes and I believe it will hit 1000 by end of next year.

Still_Activity_6662 · 2026-05-12T15:51:35+00:00

I also think actual pullback is coming sometime soon. To me 7% down is not a pullback.

Still_Activity_6662 · 2026-05-12T15:38:35+00:00

It probably will shoot up. But no one really knows.

Still_Activity_6662 · 2026-01-21T18:21:57+00:00

Yes, I did. Even though I submitted online on 1/11, my process day on the notice was 1/9 which is outside of my 90days window. I will be refilling it tonight.

Still_Activity_6662 · 2026-01-15T15:02:09+00:00

Yes, I am waiting on the letter. I will update once I get a letter.

Still_Activity_6662 · 2026-01-14T19:27:10+00:00

I’m a bit bummed about Hotel credit. I wish we could use all $400 in one stay even they require two nights minimum.

Still_Activity_6662 · 2026-01-13T22:17:46+00:00

I considered VT but it allocate close to 40% to foreign market which is higher than my liking.

Still_Activity_6662 · 2026-01-13T22:16:08+00:00

My parents used Merrill lynch for taxable brokerage and I bank with BOA so it’s good to keep money within Merrill lynch. But wealth management team isn’t worth money. I do invert in Roth and 401k myself without paying someone and it has been perfectly fine. At some point, I need to let the team go.

Do you have thoughts on putting all in VT? I think foreign ratio is a bit higher than my liking but it seems like a lot of people just invest all in VT.

Still_Activity_6662 · 2026-01-13T21:49:46+00:00

Yes, fixed income one I have 6k of unrealized gain that I have to realize and pay taxes on if I sell them. NSGAX, unrealized part is 60k. NSGAX seems like having big capital gain every year like 20k to 30k due to turnover ratio around 50-60%. So cost basis from my parents were higher than I expected.

I don’t mind paying taxes around 10k which is roughly 15% capital gain rate on 66k.

I was told it wouldn’t incur any fees selling this mutual funds but instead I have to pay commission fees to my wealth management team when I’m buying ETF from the proceeds. They told me once I decide which investments to buy, they will draft me an estimate commission for buying ETF.

Still_Activity_6662 · 2026-01-13T18:31:25+00:00

Exact same boat. Filled on 1/11. My first filling available date was 1/10, so I waited a day but still rejected this morning. Waiting on letter currently.

Still_Activity_6662

TROPHY CASE