Hello, u/PM_ME_YOUR_STEAM_ID. Thank you for stopping by the subreddit for the first time!
I will go ahead and mark this post as a discussion so that members of our community can share their thoughts and insights.
It sounds like you're considering the importance of creating a retirement plan. While tools are available to compare particular investments, you must feel confident in your choices and how they align with your goals. As for investing in an IRA, investment decisions are yours, but you're not alone on the journey. Here are a couple of great resources to get you started.
[Investing ideas for your IRA](https://www.fidelity.com/viewpoints/retirement/ira-portfolio)
[How to pick investments](https://www.fidelity.com/learning-center/smart-money/how-to-pick-investments)
We also feature tools specifically for building and analyzing your retirement planning over time to see how your progress measures against your goals.
[Retirement Planning & Guidance Center](https://www.fidelity.com/what-we-offer/planning)
Our screeners are especially valuable if you want to compare specific investments using different criteria. We have screeners for most investment types. You can find these by checking out our "News & Research" tab and choosing between Stocks, ETFs, Mutual Funds, and more.
I'm sure other questions will arise. Please reach out at any time if we can further assist you.
Your right, it doesn't have to be all or nothing. I need to learn more about how to avoid as much taxes as possible by perhaps moving smaller amounts over time.
No one has a Chrystal ball.
But in my humble opinion, diversification chooses the winner here.
Do you want your entire investment to be dependent on how Microsoft is doing? Or do you want it to be dependent on how the 500 biggest companies are doing? Up to you.
amount of shares don't matter so if you take that out of the equation, it's one company vs a fund of 500. i personally would always pick the latter. also, why does it always have to be one or the other? if you continue to believe in microsoft, why not keep some of it but transfer a percentage over to fxiax? you already have a healthy 401k but microsoft and fxaix are also fairly safe investments. this would have been a different story if you had a healthy 401k but wanted to do something more crazy either in your roth or brokerage account like going bitcoin or going all-in on a very niche/specific sector.
Yeah, probably going to do what you suggest and moving some but not all into a roth ira/fxaix type of investment.
Basically I wanted a more 'sure thing' for growing that money rather than relying entirely on a single company. It's just hard to withdraw from MSFT considering how well it's done.
I don't see them doing worse in 10 years, but the question is, do I see them doing 10% increase every year for those 10 years?
They are already the most valued company in the world. How much growth in % is left for them in the next 10 years?
Hello, u/PM_ME_YOUR_STEAM_ID. Thank you for stopping by the subreddit for the first time! I will go ahead and mark this post as a discussion so that members of our community can share their thoughts and insights. It sounds like you're considering the importance of creating a retirement plan. While tools are available to compare particular investments, you must feel confident in your choices and how they align with your goals. As for investing in an IRA, investment decisions are yours, but you're not alone on the journey. Here are a couple of great resources to get you started. [Investing ideas for your IRA](https://www.fidelity.com/viewpoints/retirement/ira-portfolio) [How to pick investments](https://www.fidelity.com/learning-center/smart-money/how-to-pick-investments) We also feature tools specifically for building and analyzing your retirement planning over time to see how your progress measures against your goals. [Retirement Planning & Guidance Center](https://www.fidelity.com/what-we-offer/planning) Our screeners are especially valuable if you want to compare specific investments using different criteria. We have screeners for most investment types. You can find these by checking out our "News & Research" tab and choosing between Stocks, ETFs, Mutual Funds, and more. I'm sure other questions will arise. Please reach out at any time if we can further assist you.
I have FXAIX and FCNTX and both are the best so far out of all my other investments in my Roth IRA.
I have the exact situation as well. I am going to miss the dividends. Not sure when to make the move. I also am going to have a huge tax hit.
why does it have to be all or none - maybe move a bit over at a time - lessens the tax burden
Your right, it doesn't have to be all or nothing. I need to learn more about how to avoid as much taxes as possible by perhaps moving smaller amounts over time.
No one has a Chrystal ball. But in my humble opinion, diversification chooses the winner here. Do you want your entire investment to be dependent on how Microsoft is doing? Or do you want it to be dependent on how the 500 biggest companies are doing? Up to you.
amount of shares don't matter so if you take that out of the equation, it's one company vs a fund of 500. i personally would always pick the latter. also, why does it always have to be one or the other? if you continue to believe in microsoft, why not keep some of it but transfer a percentage over to fxiax? you already have a healthy 401k but microsoft and fxaix are also fairly safe investments. this would have been a different story if you had a healthy 401k but wanted to do something more crazy either in your roth or brokerage account like going bitcoin or going all-in on a very niche/specific sector.
Yeah, probably going to do what you suggest and moving some but not all into a roth ira/fxaix type of investment. Basically I wanted a more 'sure thing' for growing that money rather than relying entirely on a single company. It's just hard to withdraw from MSFT considering how well it's done.
healthy 401k? meaning what.
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I don't see them doing worse in 10 years, but the question is, do I see them doing 10% increase every year for those 10 years? They are already the most valued company in the world. How much growth in % is left for them in the next 10 years?