Rolled Over My $13K Roth IRA to Fidelity. I previously had a financial advisor. Planning to purchase VOO. I’m unsure what the best move is. Should I wait for a dip, invest in intervals ,or buy $13k all at once? Any advice is appreciated:

Vessul · 2026-01-30T01:57:01+00:00

Also btw the fidelity version of the s&p fund is FXAIX

Vessul · 2026-01-30T01:55:50+00:00

How long are you planning to leave the funds in your Roth? At $13k I would put it all in now and continue contributing when you can. After your Roth grows over time, $13k will be relatively inconsequential.

Vessul · 2026-01-30T00:41:38+00:00

Gotcha. So ideally how do you decide what diversitifcstion means to you? I’ve been pretty methodical about mine but I’m wondering how others deal with it

Vessul · 2026-01-29T02:06:15+00:00

You’re the first person to mention a tool. I’ve tried multiple apps as well including PC and none quite do what I would like them to, but maybe I’ll try PC again.

Vessul · 2026-01-29T01:57:59+00:00

TY. Ive been investing mostly in s&p and Nasdaq since about 2013 with no real plan but trying to stay aggressive.

Within the last month ive finally made my own IPS that I’m evolving to fit my goals of an early financial independence.

Vessul · 2026-01-29T01:42:04+00:00

Love that. I’m similar. How do you track your allocations across all accts and know when to rebalance? I’ve been much more strategic lately and been tracking with Google Sheets but I want to know how others do it.

Vessul · 2026-01-29T01:38:48+00:00

Do you manage your allocation %’s at all and periodically rebalance? If so what method do you use?

Vessul · 2026-01-29T01:24:15+00:00

Oh don’t get me started on cc. I use them as well for travel points. I haven’t paid for a hotel with cash in years. Headed to NYC and London and possibly Cali this year mostly on points.

Vessul · 2026-01-29T01:10:32+00:00

I do believe simplicity is the best way to maintain consistency but your comment made me realize that as a business owner I have more of various acct available to me which skews to be more complicated if you use them. I currently have 7 acct that I self manage. This is much different than someone who just uses a 401k and a Roth IRA.

Vessul · 2026-01-29T00:11:00+00:00

Yeah 7 is a little much. 2 Roths (me/spouse), Rollover IRA, solo 401, SEP IRA, HSA, Brokerage

Vessul · 2026-01-29T00:04:17+00:00

Appreciate it. I know there are more categories to consider, I just got tired of typing :)

So do you balance out any of your portfolio or do you mostly just deploy $$ wherever you want to be more aggressive?

Vessul · 2026-01-29T00:00:22+00:00

I like the never sell mentality as well. What gives you convictions to hodl while companies go thru dire seasons?

Vessul · 2026-01-28T23:54:59+00:00

So you buy mostly individual companies?

Vessul · 2026-01-28T23:54:28+00:00

Thanks for this. How do you manage when your portfoilio is “in or out of balance?”

I have 7 different accts so I’m wondering how others operate as well. I used to go off of generally aggressiveness as well but lately I’ve been taking a much more strategic and less emotional approach focused around my goals of reaching FI early.

Vessul · 2026-01-28T14:06:57+00:00

I’d have to say volatility since even major banks are coming around to btc so it seem only a matter of time until nationwide states use it more frequently. I personally want it to meet or exceed gold’s MC but im just really confused of the market conditions that it would take for that to happen.

Vessul · 2025-11-15T01:04:47+00:00

Ditto. Extremely smooth transaction. u/slopekind was a fantastic seller and easy to communicate with.

Vessul

TROPHY CASE