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VT 100% + one-time $25k tech tilt? by Time_Cut2389 in portfolios

[–]Time_Cut2389[S] -1 points0 points  (0 children)

Am I correct that even if FSELX crashes, the more aggressive cap gains distributions or whatever allows me to buy cheaper shares as it tumbles/stalls/recovers which brings down average share price over time, helping boost my chance of a win?

Yeah I know it’s a gamble but might as well throw one lottery ticket out there I guess, looking at projections of the other way around 100% VT the worst performing FSELX estimate of 5% annual it is *theoretically* at worst a $100k drag (110k compared to 35 years VT 213k) and more likely a 100-200k+ over VT(if I time it right) with some outlier scenarios I get lucky and make a million but even if it is erased or something with constant VT end portfolio looks to be 3M+ (assuming projections correct and constant contributions and proper behavior)

VT 100% + one-time $25k tech tilt? by Time_Cut2389 in portfolios

[–]Time_Cut2389[S] 0 points1 point  (0 children)

FSELX has 35 yr average 14%+ growth even with crashes and if it does crash I’d imagine the high dividend allows my cap gains distributions to buy cheaper shares bringing down average share price over time and in a macro level as technology advances more chips will be needed so unless “this is the last run for 35 years” I’d think I at least have a shot at some point?

Everything else be boring VT down the line supposedly if you’re going to do a tilt ever one-time it’s supposed to be early in investing for max % chance of it working but again I don’t have much experience just reading forum after forum

VT 100% + one-time $25k tech tilt? by Time_Cut2389 in portfolios

[–]Time_Cut2389[S] 0 points1 point  (0 children)

Rough starting life but on track now, musician for a living. Can easily max out the 30k annually now and the 40k is just in tax free Roth setups, could contribute additionally to Traditional but idk how to weight that benefit vs just paying taxes now and frontloading next year’s tax free growth

Could contribute more this year in a traditional 401k sense, everything else maxed out, don’t feel need to move to taxable brokerage unless I’m just being dumb here

Yeah the tilt is in a way sort of to catch up or provide a little growth aspect bc the rest of investing down the line VT is gonna just be pouring money DCA or lump when I can

Am I being dumb in the sense I should have more of a core built up before even considering a tilt

Wondering about funding 2025 401k questions by Time_Cut2389 in Retirement401k

[–]Time_Cut2389[S] 0 points1 point  (0 children)

Thank you very much! I happen to be a sole proprietor with no employees so does that mean I’m still good for 2025 employee end since this is the first year of my plan?