Hello everyone. I’m relatively new to all of this but my parents have been helping me by opening a Roth IRA for me when I was in college. Ive continued contributing to it but recently learned I may be losing out on gains.

I have been maxing out my Roth contributions the last few years with my account through Equitable. I am concerned over fees and lost return. Does anyone know how I can go about switching to Fidelity, if that is even the best route to go? Thanks!

I have one of each and just started reading on this form. It looks like most people are saying to convert what you can to a Roth as you get older. What’s the main rationale here? Is that when we’re talking about traditional iras or also SEP‘s?

I’ve been investing for about a year now with an aggressive blend of 60% VOO & 40% QQQM. I have done research into SPMO and look to add into my portfolio going to 50% VOO, 30% QQQM & 20% SPMO. What are the opinions of SPMO? Should I just replace qqqm with it entirely?

Hey folks. I started my Roth IRA 8 years ago with schwab but had to stop contributing for the past 3 years due to a ski accident I got into and having thousands of dollars of medical debt that needed to be paid off. Well good news! I’m out of debt finally and can go back to contributing about $600 a month or so to my Roth IRA. Before I stopped my allocations were:

65% swppx
20% AVUV
15% VXUS

Wondering what everyone’s take is on this setup and if I should continue contributing as such. Any recommendations? My idea for this is just something I can set and forget while putting $600 in per month.

I need human feedback on these calculations and my long-term plan.

​I am 35, so I have a solid 30-year timeline before I hit 65. My primary goal isn't just standard retirement; it's building a generational wealth engine for my family.
​Here is the 2-Phase Roth IRA strategy I'm working with:
​
The Core Plan: I’m currently maxing out my Roth IRA ($7,500/yr limit) and focusing 100% on total return and dividend growth for the next couple of decades.
​
Phase 1 (Accumulation): I'm splitting my core holdings between VIG, SCHD, DGRO, and NOBL. I like SCHD's cash-flow metrics and VIG's screen that cuts out the highest-yielding traps. No raw high-yield right now because I don't want the capital drag.
​
Phase 2 (Retirement Pivot): Once I hit 65, the plan is to flip the equity base tax-free inside the Roth into a 70/30 income blend using JEPI/SPYD for immediate cash flow, while leaving 30% in the growth core as an inflation hedge.
​
Phase 3 (Generational Transfer): Long-term, the goal is to pass it to a South Dakota Dynasty Trust to handle the SECURE Act's 10-year inherited Roth liquidation rule for my family. This legally forces the trust to hold qualified dividend payers (like SCHD) to cap the trust tax rate at 23.8% instead of the brutal 40.8% ordinary bracket.

​I've received plenty of feedback from the various LLMs but I'd really appreciate real human feedback before fully dedicating myself to this strategy. Please let me know what you think about delaying the high-yield pivot until retirement, or if you have thoughts on the ETF weights for Phase 1? Any and all feedback is appreciated.

Thanks.

I want to have SOXQ as a core holding in my Roth. Which one or two ETFs would pair best with it to balance it out a bit? I am 34, so I have about a 25, maybe 30 year time horizon. Therefore, I’m trying to go mostly, if not all, growth, with a high risk tolerance as long as the underlying makes sense and I believe in it for the long run.

Maybe 70% SOXQ, 20% VGT, 10% VOO?

Are growth ETFs a bad idea because the market is priced so high right now? Are there better strategies like momentum ETFs?

I’m stuck, and appreciate any and all help!

I have a question I have 12k in my fidelity and it is invested. Do you guys recommend depositing 7500 at once or slowly add 100 dollars weekly ? Is there a disadvantage or advantage.

currently 19 with a 70/30% FXAIX/QQQM split, but I’ve noticed the overlap so right now I’m thinking,
FXAIX/FZILX 60/40%?

Hey everyone! I want to get some advice on how to invest my money in my newly opened Roth IRA. I just opened this account and I want to know what i can safely invest in to get continuous growth without any major risk. I also setup biweekly transfers into my Roth IRA. Any advice will be greatly appreciated!

I am currently 20 and had everything in VT before but am thinking of restructuring it 50/50 in SPYM and XLK to be more growth focused. I’m quite bullish on AI and tech in general long term. What other ETFs would you recommend?

Would love to hear your opinions, thank you!

I had an IRA overseen by an advisor. Recently decided to take it into my own hands but due to the platform it was with can’t do ACAT transfers.

They sent me a check and my advisor said to “endorse it to my current brokerage to make it easiest to track”. But my brokerage doesn’t have an option with indirect rollovers to deposit by check.

Is cashing the check into my bank account an option and just putting that exact same amount into my brokerage acceptable?

im young & trying to start my Roth ira i bought a limit share of vti vxus and smh yesterday when the market was closed and i checked today and it’s still saying i have 0 shares did i do sum wrong

So I currently am 100% SCHD in my Roth IRA. I maxed it out for 2026 already. I opened an investment brokerage account and am going to do 100% SCHD in that instead so that I can live off my goal of 45k/yr on dividends and be able to access it before I’m 59.5 years old, I just turned 34 years old. I thought about selling all the SCHD shares in the Roth, but I think I am going to keep those at least until I’ve had them for over a year for tax reasons.

My question is, I’ve never been much of a growth person. Should I invest into a growth ETF in my Roth, or do individual stocks? I work a full time job so I can’t be watching charts, markets, and news all day.

I like the idea of individual growth stocks, but not sure which to pick. I know they’re more risky than ETF’s, but I’m willing to take the higher risk for higher reward due to my roughly 30 time horizon until retirement.

I appreciate any help!

This has been a tough year on everyone, especially with the wars, conflicts and drama within the U.S. government… I really leaning towards just cashing all my coins in on 80% - FXAIX and 20% - SCHD just let it ride till retirement.

Thoughts 💭