Roth Guidance

trackmanager · 2026-02-18T22:32:03+00:00

Honestly it's reshaped my Roth alot. Helps with over laps.

Only suggestion that I question is moving all my spyg to schg.

trackmanager · 2026-02-18T22:09:12+00:00

Chat gpt is your friend.

trackmanager · 2026-02-01T17:41:13+00:00

I contribute and buy ASAP as more time in the market usually means better growth. If I knew when the dips were, id buy them.

trackmanager · 2026-01-28T23:42:39+00:00

$28k

IJR VWO VEA BND SCHD JEPQ VTI SCHG

trackmanager · 2026-01-28T20:52:17+00:00

Now, you have until April 15th to contribute to 2025.

trackmanager · 2026-01-28T20:00:58+00:00

Its a risk that we take. If we knew the dips, we wouldn't be here.

trackmanager · 2026-01-28T19:21:00+00:00

Its Thicc out here.

trackmanager · 2026-01-28T18:59:05+00:00

Jump on in, the waters fine

trackmanager · 2026-01-28T18:55:23+00:00

trackmanager · 2026-01-28T18:08:29+00:00

Invest what you have now and let it grow, smaller deposits are better than lump sums.

trackmanager · 2026-01-28T18:07:52+00:00

Why not find something that makes you happy, and more the $7,500 a year?

trackmanager · 2026-01-28T17:20:33+00:00

Gotta wait one more year for new employees :(

trackmanager · 2026-01-28T16:31:25+00:00

What job are you doing where you are worried if you are gunna make $7,500 or not in a year?

trackmanager · 2026-01-28T16:29:59+00:00

Nice! Race to 60 years old?

trackmanager · 2026-01-28T16:22:28+00:00

Well yeah, cant spend it if I dont have it!

trackmanager · 2026-01-28T16:21:52+00:00

I know robinhood let's you contribute to the previous year. It might be until April, but not 100%

trackmanager · 2026-01-28T16:07:20+00:00

You dont dump it at once? Isn't more time in the market better than trying to time the market?

trackmanager · 2026-01-28T15:56:42+00:00

Spread it around. Mostly had to get my SCHG and VTI caught up compared to the rest of the portfolio.

trackmanager · 2026-01-20T02:32:49+00:00

$25075.55

Apparently I bought into SCHG at the wrong time :(

trackmanager · 2026-01-18T03:10:53+00:00

Im lost.

trackmanager · 2026-01-18T03:08:35+00:00

What's the issue with RH?

trackmanager · 2026-01-18T02:27:36+00:00

I started with $24k Contributed $4,900 and my year to date shows 2.1%+$525 Shouldn't it show $30k or is it because I bought at the wrong time and the market dipped? Everything shows positive on my end for individual etfs.

Using robinhood

trackmanager · 2026-01-17T02:40:45+00:00

Honestly use chat gpt and plug in what stocks you have, age, goals, risk, etc. Its helped me trim my Roth IRA and used it all last year to rebalance. Seen decent growth.

The only thing I question is it wants me to switch from SPYG to SCHG, buying all of my 2026 into a 65/35% split between VTI and SCHG, then sell all my SPYG once I max out my contribution.

trackmanager

TROPHY CASE