I try and Contribute 25k a Quarter

EXAMPLE

Let's suppose you are 30 years old and have been working for 5 years. By now you have worked your way up to a decent salary and managed to save a little money. Lets assume you make $65,000 a year and have $2,000 in savings. Most Americans work into their 60s, so we will use 60 as a retirement age.

The Million Dollar Plan

1. Open a Roth IRA Account.
2. Deposit half of your savings. Ex. $1,000.
3. Contribute 10% of your salary every year ($7,500) to "Max Out" your Roth.
4. Look up ETF's that track the S&P 500. (Vanguard: VOO, iShares: IVV, SPDR: SPY)
5. Buy Shares and continue buying every year, dollar cost averaging into the market

The Result

• Ages 31–49: $7,500/year
• Ages 50–60: $8,600/year
• Final balance: $1,192,783.08
• Total contributed: $238,100
• Income: $954,683.08
• Return: 400.96%

Follow the illustration exactly and become a millionaire

ROTH IRA:

1. Contribute After tax funds
2. Grows Tax Free
3. Contribution limits: $7500 under 50. $8600 over 50 (catch up provision)
4. Eligible for tax free withdrawals starting at 59.5 years old

Principal can always be taken out prior to 59.5 and also for certain qualifying events (first time home buyer exception etc.)

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Any thoughts and list your buy and hold Candidates with some reasoning

r/InvestingforGrowth

Thoughts and what are your top candidates, provide some reasoning as well

Post your Growth Portfolio and lets discuss.

1. Purpose of your Portfolio
2. Your investing Timeline (specifics not just long term, 5 year 10 year 20 year etc)
3. Outline why you chose your picks (following Capex, TAM, Revenue Growth, Vision, Moat)
4. Lets also discuss Market Cap and room for it grow. (100 billion to 1 trillion path required to 10x)
5. Decision behind your Weightings and Allocation

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When it comes to investing and building a successful stock portfolio, you must FIRST understand the key principles every successful growth investor follow.

LONG BEFORE BUYING YOUR FIRST STOCK

Traditional retirement investing promotes ETFs, target-date funds, and diversified investment products designed to help you retire a “millionaire” by age 65.

And honestly?

• First It works
• Second: it automatically applies many of the core principles of successful investing

However..

Just like anything in life, if you follow the herd, don’t expect more than the herd result

What if instead of retiring at 65, you could retire in your 30s, 40s, or 50s? To outperform the average outcome, you must think differently than the average investor.

Key Principles

1. Time

Time is so underrated and not understood when it comes to investing. Time in the market is your ultimate weapon. We all see the chart 10 years ago on a stock and go “well dam I should have bought it back then”. This concept is true even today. The earlier you start the richer you will be. Compound interest is a beautiful thing and the longer you are invested the more it will reward you.

Time is your ultimate weapon, use it

2. Consistency

Consistency and time go hand and hand are probably the two most important pieces that significantly separate average investors from hugely successful investors. There is not many of us out there that got rich off one trade. Consistently contributing will build you a fortune. Whether that is $100 a month $1,000 a quarter, or $10,000 a year does not matter. What is important is that you continue contributing systematically. A proven method called "Dollar Cost Averaging" that avoids the problem of buying at the right time.

We are not trying to time the market, this is impossible. We are trying to be consistent.

3. Appetite for Volatility

If you want to be a growth investor you better be able to stomach the losses that come with it. A Concentrated stock portfolio can be up 50% in a year and down 25% two weeks later. Now just because a portfolio is down doesn’t mean you have loss any money at all. Volatility alone is not loss. Permanent impairment of capital is. However, for those who can watch their portfolio go down 10%, 25%, 50% and not panic will ultimately be rewarded if their Growth thesis remains strong.

4. Research

You will also need to know what you’re doing when looking for stocks. You must learn what separates a bad company from a good company and a good company from a great company. I’m Sure some of you have heard about technical vs fundamental investing. You will want to learn more about fundamental investing. This is how you separate the winners. when a company has growing revenues, high margins, wide moat, and massive total addressable market with a growth horizon spanning over a decade attached to a sector undergoing massive Capex that’s the stock you want to pick. The elite Compounders of the next Decade

Find the Elite Compounders, leave the Meme Stocks at home

5. Allocation

The correct Allocation is critical and you must be intentional when designing your stock portfolio. You do not want to have a growth portfolio comprised of a thousand stocks. As you add more and more stock, your portfolio becomes more and more like an ETF. An ETF is just a basket of stocks that provides diversification. As a true Growth Investor we are not concerned with Diversification we are concerned with Growth. Excessive diversification dilutes upside

Identify maybe 5-10 stocks and Concentrate Heavily.

6. Money.

You need money to make money. Now the amount doesn’t matter as much as just starting and getting into the habit of consistency. The money will continue to stack and grow over time. This will come but capital is important when it comes to investing

These are the Key Principles you must Master...

to Beat "The Herd" and Retire Rich