u/samashiki

Hello Oakland!

I am looking for a Black church in the East Bay that is known for its incredibly vibrant, spirited gospel music.

I’ve attended a few Sunday services in SF, but they were a bit too reserved musically for what I’m seeking (usually just a couple of traditional hymns in the middle of the service). I’m really hoping to find a charismatic service where the choir is massive, the congregation is deeply engaged, and the expressive, high-energy music gets the whole room moving.

Does anyone have recommendations for churches with a truly legendary, immersive music ministry? Thank you!

Congratulations to everyone who bought at 300s.

Now a question for long-term holders.

I've been DCA'ing since 2018 (2,000 shares @ $200 avg, +100% gains). The problem is, 60% of my entire portfolio (including exposure thru 401k index fund) is currently tied up in MSFT.

I really learned the value of diversification this past year when index funds outperformed MSFT. It wasn't a fun ride, and the lost opportunity cost feels very real.

Curious what percentage MSFT takes up in your total portfolio (including 401k)?

Hi!

I live in California and 70% of asset is locked into single stock that has been RSU’ed. The profit margin is good, but I worry about profit tax. I haven’t sold for last 8 years.

Is it a matter of timing the market to relocate the asset into index fund while not exceeding my tax bracket? What other caveats should I know?

I heard Fidelity offers reallocation without tax only with long term lock up and fees, and looking for other options.

Thank you.

TC 230
NW 800k (+ 300k in 401k)
Age 33
CA

Hello experts…

Looking for some strategic advice on how to unwind a highly concentrated single-stock position. I want to transition into a more diversified portfolio (like SPY/VOO), but the potential tax drag is making me hesitate.

NVIDIA $50,000 (+37%) - Half LT / ST
SPY $12,000 (+8%) Mostly ST
GOOGL $11,000 (+11%) Mostly ST
Cash: $35,000
MSFT $800,000 (+99%) - all LT

I’ve been DCA’ing into SPY, NVIDIA, GOOGL.

Age: 35
Total Portfolio: ~$908,000
Location: CA
Cash on hand: $35,000
TC: $230,000

The Dilemma:
As you can see, about 88% of my net worth is in MSFT. This was accumulated over several years through company equity and I haven’t sold.

Question

1. Are there any specific strategies (like Exchange

2. Funds) that make sense for a position of this size, or am I below the typical threshold for those?

I just realize it’s very difficult to liquidate the stocks I’ve owned long time, and want to make sure spending a couple years to minimize tax hit is indeed expected and typical.. I am kinda regretful not having done earlier. Rather I am trying to find a way to cut taxes.