ROTH
PHARMAROTH LABS INC
stock OTC

I'd get into teeth's or mutual funds like FXAIX(Very low fee s&p), energy(oil & gas), and energy( electric). If you know you won't touch the $$ for 10 yrs minimum fidelity's FPRA is 'Tax Deffered' , and their ROTH is 'Tax Free' - both after 59-1/2 of course.
It really depends on your 'Time' horizon,,, and then risk tolerance 2nd.
Fidelity has 'Target Date Funds that worked well for me in the 15 years I had one. And Contrafund was a blast with William Danoff the fund manager. If you buy into any fund,,, research it's manager. You'll want to know if your $$ is in experienced hands or that of children- Fidelity has a few managers that need more experience imo. But, they're allowed to run big funds nonetheless. Just research the crap out of every position you're in.
Imo, I stay away from 'covered call' funds. But, many here say otherwise. I do own one- JEPI,,,, users here talked me into taking a little risk, I've yet to render my opinion. For so long I chose only Aristocrats and Dividend Kings. Now I'm branching out to Contenders/Champions like VZ. And I do love VZ.

VUG - 34%
VTV - 20%
VOT - 18%
VXUS - 18%
VBR - 9%
CASH - 1%
I’d love some thoughts on my current ROTH IRA how can I tweak this to be more efficient

So you're saying selling stocks/contracts within a tax-sheltered account has different implications if IRA vs ROTH? What I was getting at is getting assigned just out of the money or "rolling up/out" of getting assigned has real tax implications. Getting called on shares and simply buying them back can have no real impact if done in an IRA. If I've been totally wrong on this I'd like to know.

Given you have 100k saved now and your Roth is maxed and you live in TX and you live with parents. Consider doing back door ROTH.

Europeans can’t open ROTH IRAs.

yes, but my question was does Schwab ALLOW people in Europe to have an acct, buy and sell on it?
I ask because there's a small possibility I may retire to Europe and I have a Schwab trading and ROTH acct, so if Schwab or European countries have some kind of restriction on that I would need to know.

Where are you now. I am in or close to the 32% tax bracket. In retirement I dont think I will be so traditional is good. If you will have over $2.5 million in traditonal, yeah I would start putting money into ROTH if you are only in the 24٪ tax rate.

When employer 401k doesn’t allow ROTH conver

hi all currently i have around 125k in a HYSA paying 4.00% APY and have around 107k in the stock market, most including my ROTH IRA and 401k. Already maxed out last year and this years ROTH IRA, and currently investing 300$ a week into a 60/40 split of VOO and QQQM. With how volatile this stock market is right now i’m hesitant to pull money out of my HYSA and put more into the stock market. Any recommendations ?

For high net worth clients maxing out the 401k or ROTH was useful so that it could be set aside as their "fun-money" investment brokerage/casino bucket, then they can buy gamestop options/that sure-thing penny stock a guy 5 drinks deep ranted about - without a bunch of tax concerns at year end. "I see here you made 350 trades and .... 2% return yes wow, what a roller coaster"

Taxes.
If paid monthly, the monthly interest payment is credited to your account monthly.  If the account is taxable, each monthly payment is taxable as ordinary income for the tax year in which it was paid.  If in a ROTH, the tax aspect is non existent. If in a traditional IRA with any tax basis in it (which is uncommon enough that my accountant did not know how the pro rata rule worked until he got me as a client - and the possibility didn’t occur to my Fid advisor until it was too late to prevent us moving money from 401k to IRA shortly before retirement. Leaving the later match im the 401k, while not a tom of money, avoided repeating that mistake): the interest increases the IRA value as of that Dec 31, which affects the pro rata rule results. If you convert the CD from IRA to ROTH before a payment, those later payments are in the ROTH and do not affect the pro-rata rule.  Eg 100,000 at 5% for a year paid at maturity, purchased early in the year means that principal does not add value to the IRA in the year purchased, which speeds up the removal of tax basis, reducing taxable conversion values relative to it paying before Dec 31.
I was so frustrated when I learned the pro rata rule and its effectively double taxing me in my lifetime since my new IRA balance, post 401k rollover was going to have a dramatic effect on the time to get that post tax basis out without paying tax on it.  Had ALL 401k plans stayed in 401k, an IRA converted or distributed in a single year would get all of the tax basis out, so if it represented 10% of the IRA total at EOY, only 90% of that withdrawal (distrib or conv) would be taxable.  Add a rollover from 401k of say another 100,000, into the mix, that 10% is now 5%, and 95% is taxable.

I've known a lot of people that thought day trading would make them a fortune. Usually, I heard plenty when things were going well but when they didn't say much I knew their plan wasn't working. Eventually, they all ceased their quests. Their net profits were limited and most lost money. About the only way to make a profit day trading is to develop your own system and sell it to Sucker's.
Investing in the equities markets can make you wealthy but it takes time. Individual stock picking can be challenging and take a lot of time and research. I've always preferred mutual funds, and in more recent years, Exchange Traded Funds (ETFs). I recommend starting out with some Index Funds that closely follow the S&P 500. Look at the performance of the S&P 500 over the past 15 or 20 years. Use a ROTH IRA, and if you work someplace offering a 401K, select the ROTH option and invest the more aggressive choices if you are under 50 (No Bonds or CDs). Once you have $200+K in your ROTH IRA & 401K you can start investing new savings in even more aggressive funds. Currently, I'd suggest something like Fidelity's Semiconductors Fund (FSELX) which gained 11.5% in Jan. 2026 and 62.7% over the past 12 months. Keep in mind that the highest potential funds usually have the most volatility, so don't put all your eggs in the same basket. Sign up from a free Fidelity account at fidelity.com and study their excellent website and sign up for the newsletters they offer. Learn, invest, learn, invest and learn some more. One day you will wake up and find that your investment growth exceeds the wages from your day job. If you start early enough you may well decide to retire early. Good luck.

Possibility but I’ll stay diversified with my FDKLX in ROTH IRA and just push FXAIX/FSPSX in my 401k Roth w match 😂

Sp500 is bloated with AI bs. The whole thing is being held up by 8-10 top companies, those go down and ifs a wrap for a long time. A diversified target date or even making your own three part portfolio is the better way but to each their own. I do both target date fund for ROTH IRA and 80% FXAIX/20% FSPSX in a matched 401k Roth.

Gold doesn’t pay you, but I like it too. Within your ROTH you won’t get taxed on dividends. I’m not a huge fan of government debt, but I do like SPHY and JAAA. It’s like a high yield savings within the ROTH. Yet if you’re hellbound on growth, it won’t help. Might want to sprinkle in some energy like XLE, since it goes hand in hand with tech. 

100% FZROX in my ROTH..No complains here…

The restrictions go away after 65 or so. It makes a great ROTH like retirement account.

My goal is to get them all invested Vanguard through Fidelity. Landed on this conclusions after all feedback and posts from fellow Bogleheads here. My present 401k is not in fidelity, but a different place. Does Bogleheads prefer simplicity (having all at one place, not in different accs?) or fund performance? (fund is doing well and prefer not to disturb it and sacrifice simplicity)
My question should I disturb by transferring all my old accs into an IRA ( probably ROTH) in Fidelity? or let them grow where they are since they are performing good? Now these funds are left to grow on their own, as no contributions from my end. In TIAA, I made one change in fund allocation since its inception, all as recommended by TIAA agent (came to meeting with already decided matrix, this was 3 years ago). Same for FRS, no change since inception. I didn't bother to login website and check funds for years straight. I didn't choose funds but went by the flow, probably the agent. Also, I would be glad to receive your inputs on my fund exposure.
Below is performance since inception:
2019: TIAA N/A | FRS —
2020: TIAA +23.4% | FRS —
2021: TIAA +14.6% | FRS —
2022: TIAA -17.2% | FRS —
2023: TIAA +18.8% (no contributions from here) | FRS —
2024: TIAA +12.6% | FRS +3.2%
2025: TIAA +19.0% | FRS +20.7%
2026: TIAA +4.1% | FRS +3.5% (no contributions from here)
Cumulative growth since inception:
TIAA +10.6% | FRS +32.6%
TIAA Portfolio allocation:
CREF Global Equities R3 (QCGLIX) – 15.41%
TIAA Access DFA Emerging Markets Portfolio T4 (W455#) – 12.60%
TIAA Access Nuveen Large Cap Value Fund T4 (W414#) – 11.97%
TIAA Access Nuveen International Equity Index Fund T4 (W419#) – 11.72%
CREF Total Global Stock R3 (QCSTIX) – 11.24%
FRS Portfolio:
100% invested in 2050 Retirement Fund (expense ratio 0.12%)
Top holdings within FRS 2050 Fund:
FRS U.S. Stock Market Index Fund (120) – 47.70%
FRS Foreign Stock Index Fund (200) – 27.80%
Prudential Retirement Real Estate Fund II – 7.50%

>already maxed out my ROTH IRA for the year.
For which year? Max out 2025 before filing taxes or max out and file an amended return.

Hi, I'm 22 and just starting to learn about investing.
I put 7000 in my ROTH IRA for the first time, and invested it in FXAIX.
I have 10k cash that I'd like to start an emergency fund with. I considered a HYSA but am leaning toward opening a Cash Management account and buying SGOV.
I'm a total beginner so would be curious to hear how this sounds to others.