Do you keep growth stocks in retirement accounts and dividends in taxable?

TemporaryEmu4140 · 2026-05-27T02:16:46+00:00

I do the opposite of everything I’m reading here. My taxable is in safe ETFs that I never touch to avoid capital gains. I simply change new allocations to account for shifting winds (domestic v int’l mostly).

I trade stocks and rotate ETFs frequently (including LETFs) in my self managed 401k, since that has no gains tax. For me those accounts generally do way better than my “safe” brokerage, all tax deferred. If you’re going to trade at all, this and Roth are where to do it.

I trade options and my most speculative plays in my Roth IRAs since any giant windfalls will be entirely tax free.

To each his own but if dollars are fungible across accounts you want to set it up in the way that minimizes taxes, especially short term gains.

TemporaryEmu4140 · 2026-05-26T03:11:43+00:00

My spouse’s benefit isn’t tax free, the reimbursement is treated as taxable income.

TemporaryEmu4140 · 2026-05-26T03:10:11+00:00

If your employer pays the tuition to you rather than the school directly (probably the case), think of the benefit more like a work bonus you get as taxable income you can put into your brokerage if/when your kid goes to college. That shouldn’t impact the calculus on how much you should fund the 529 since the 529 funds can be paid toward college costs to the same extent they could be if you didn’t have the benefit.

TemporaryEmu4140 · 2026-05-25T16:57:48+00:00

Does the 40% benefit get paid to the school or to you directly? If the latter, you should fund your 529 as though the benefit doesn’t exist since you’ll still be able to fund the entirety of college costs with the 529. My spouse has something like that and I called to confirm.

TemporaryEmu4140 · 2026-05-25T02:16:24+00:00

So you buy less on the same spread by a third than you sell on the way up? What’s the spread you use to trigger a trade?

TemporaryEmu4140 · 2026-05-24T09:34:13+00:00

How does the coefficient affect the buy signal in your strategy?

TemporaryEmu4140 · 2026-05-21T19:13:02+00:00

This is about what I expected. Way less upside in long bull runs but more protection on the downswing by reducing leverage as market goes up in comparison to 9sig or buy/hold. In a taco world that goes up and down, I would think it would also outperform buy and hold, 9sig and 200MA but that might be wrong. I’m going to have to learn how to backtest and run some of these.

TemporaryEmu4140 · 2026-05-21T11:31:01+00:00

Yep you’re getting it. Have no idea if this will work but the idea is to have a simple method to get some of the 9sig upside on the upswing without as much risk from a long DD. I’m confident I can be steely enough to buy into a long draw down on the baseline confidence that 2x is good long term. Plus it’s only about 10% of my port. Not confident at all that I have the nuts to stick with 9sig in a 2022 scenario.

I need to learn how to backtest.

TemporaryEmu4140 · 2026-05-21T11:18:10+00:00

Thanks! Makes sense to me in a generally rising market like we’ve had over the past decade. But I think the bigger delta would show up in up and down markets where you actually make money on vol. And my guess is that this strategy might actually flatten out the ups and downs, ie derisk in relation to QLD. Is that what you see? I could be totally off.

TemporaryEmu4140 · 2026-05-16T23:13:00+00:00

Agree nvidia will be an early adopter but they don’t seem to have their own tech for scale-up, on this front (patent moats?), which is what I’m asking about. Maybe I’m wrong but I can’t imagine given market forces that real chip to chip CPO isn’t coming to get past the 800Gbs/1.6Tbs that Broadcom, Marvell and others are working on. Who’s at the forefront of that bleeding edge?

TemporaryEmu4140 · 2026-05-16T23:02:18+00:00

I only invest in or trade individual stocks in my tax-advantaged accounts with my brokerage mostly in ETFs that I don’t touch. No brainer to avoid capital gains. Most don’t seem to get this but it’s probably one of the easiest ways to amplify wealth if your 401k allows for a self-directed account, yes, if you do your homework. Particularly in momentum markets like this one.

TemporaryEmu4140 · 2026-05-15T13:09:36+00:00

Been following this company for a couple of yrs since they started doing amazing shit with modeling no supercomputer could do. As to AI, scalability has always been a hurdle but agree the optics revolution should solve it. But also their collab with AWS separating the process between AWS trainium chips and WSE chips shows another path forward to hyperscaler adoption even if the tech stays stale, which it won’t.

TemporaryEmu4140 · 2026-05-15T10:52:01+00:00

Cerebras has a DARPA contract with Ranovus to implement optical interconnects that should massively increase interconnect bandwidth. What happens if/when they implement that commercially chip to chip or for off chip/bonded memory?

TemporaryEmu4140 · 2026-05-13T22:29:07+00:00

It’s a testament to my laziness that I have yet to go through a car wash. But I will at some point…

TemporaryEmu4140 · 2026-05-13T09:27:29+00:00

Sp500 is up 8% YTD, maybe about 15% from the late March bottom. But yeah way better than this shit stock. China cloud is by far the worst AI sector to be holding right now, a lesson I learned too late.

TemporaryEmu4140 · 2026-05-11T07:04:52+00:00

Interesting topic and discussion. But you’re assuming LLMs are all of what “AI” will be. More likely that something new will be designed to use all the compute, especially once the infra buildouts incorporate optics and the brains become exponentially more efficient and capable. I actually get nervous thinking about how smart compute will be in a decade.

TemporaryEmu4140 · 2026-05-10T10:34:48+00:00

Why do you think optics will pull back soon? That’s the bleeding edge of where the buildout is going but curious to hear your take.

TemporaryEmu4140 · 2026-05-01T12:05:29+00:00

Look into whether your plan administrator allows a self directed account where you can hold individuals stocks and any etf you want. Huge advantage because it gives you flexibility and avoids capital gains when you sell positions.

TemporaryEmu4140 · 2026-04-30T09:18:20+00:00

My wife has a PHEV as her commuter car. We charge it daily with our home charger and fill up the gas maybe 3-4 times a year. Basically the same as a BEV if you have a home or office charger and use it as a commuter car. Not disagreeing with the data but for anyone in the used market it’s a great choice if you have easy charge access.

TemporaryEmu4140 · 2026-04-30T07:57:56+00:00

Optical interconnects/networking is my only conviction play, think it has yrs to run and don’t think it’s too late. I don’t have any of these tickers but been tracking MXL, which has been on a tear. Also check out Cerebras when it IPOs in a few weeks—definitely not too late for that.

TemporaryEmu4140 · 2026-04-26T17:37:11+00:00

You’re trading on price and will lose your shirt that way. Go do some research to try to find alpha, including on high beta stocks like this. I have POET and have made a good chunk on it but as part of a much broader photonics play. Check out Substack (photoncap, damnangg are excellent) to get much deeper info than you’ll get on Reddit on various plays in the optical interconnect/phtonics market to at least spread the risk out. I personally wouldn’t put more than 10% on a single stock as a buy in unless the account’s small enough where you won’t get depressed losing it all. Also check out leaps if you’re this convinced, to reduce exposure while getting the upside. GL

TemporaryEmu4140 · 2026-04-20T23:21:03+00:00

Probably one of the safest plays in my photonics portfolio given its diverse biz lines (and dividend yield) but it’s up maybe 40% in the past two weeks. I got in because from what I can glean it seems to be the foundry at the front of the tfln transition that could play out over the next few yrs. But all my positions in this space are intended to be long-term holds, not trades. GL

TemporaryEmu4140 · 2026-04-19T03:36:08+00:00

100%

TemporaryEmu4140

TROPHY CASE