ROTH
PHARMAROTH LABS INC
stock OTC

So I’m starting from Zero, snd plan on investing $15/day into a Roth IRA, so I can retire in 31 years.
I’m thinking of investing in
40% VOO
15% QQQM
15% VXUS
10% SCHD
10% BND
10% Individual Stock
How does this balance look long term?
I’m thinking that BND/SCHD will give me good foundation to make up for the crazy swings from tech.
QQQM/VOO obvious tech S & P 500, and etc
VXUS since they been doing better then US in 2025.
I’m not looking to do anything crazy just a moderately aggressive portfolio.
Eventually I plan on maxing out my ROTH IRA but right now this is all I can do.

Playboy has an event this week it’s a huge investor summit with ROTH partners
You can google it. This stocks probably going to double by friday

Imao you 42 year old bum you got less than 100k in ROTH. My lord you poor as hell 😂😂😂😂

GPIQ, QQQI to follow Nasdaq. GPIX, SPYI to follow S&P 500. both give monthly dividends. they follow rule 1256 so 60/40 split as to how dividends being taxed . This makes them tax favorable. If in your ROTH account you could put JEPQ, JEPI.

You should answer markov’s question. It’s an important one.
If you are single and don’t itemize, and earn $76k and the standard deduction brings you down to $60k AGI, then the answer is a coin flip.
But if you are single and don’t itemize, and you earn $60k and the standard deduction brings you down to $44k AGI, then **the answer is ROTH.** because $44k is actually in the 12% tax bracket.

Thank you so much for searching for those.
I know it sounds stupid, but I'm excited to get all of my banking funds transferred to JPM and learn there new system. I'm also going to have to move my ROTH IRA over, which is why i was nervous about low-cost investment choices. Because the only screener JPM offers to the outside world looks to be full of high fee funds that are mostly actively managed and would probably steal more of your investment then make you money.
I was just really worried I'd be limited in what i could purchase, but you've proved they have everything the big 3 offer, at no extra fee, and no minimum purchases. they sound amazing.

I was thinking the same thing about cash. Currently i use Capitol One, but they only allow for fee free incoming quick wire transfer not outgoing, and capitol one don't really have a brokerage, unless you are mega-wealthy, i think it said $10,000,000 minimum or something like that. Chase/JPM from all my research sounds great because they have more branches then capitol one, if you are a Chase private Client, you can get free incoming and outgoing wires to move money quickly back and forth, and a bunch of other fee free services, plus JPM has fee-free access to all those great mutual funds you looked up. Merrill Edge don't do that. I'm also thinking of moving to all chase credit cards because they said if you make payments for the card out of your chase checking account, they transfer and settle nearly instantly. So no more taking a hit on your credit score just because you bought something with it on the day the statement was being generated.

thanks again for doing all that for me.

# 2026 Brokerage Allocation - Any thoughts?
Hi, I was wondering if anybody had any comments on my brokerage portfolio (my ROTH is always maxed and in VT only).. Would you change anything?
32% VUG
18% SGOV (emergency fund)
18% GOOG
12% ASTS
6% SMH
2% ONDS
2% LUNR
2% NBIS
2% CLS
2% RKLB
2% VRWV
2% NB

You need to do both. At the bare minimum you need to take advantage of your employer's matching. I would definitely try to max out your annual contributions to a Roth IRA (in low cost index fund).
I recently retired and the best money you can have in retirement, in this order, is:
1. ROTH IRA/401K
2. Brokerage
3. Traditional 401K
The best thing you can have in retirement is nontaxable money. After that is your brokerage account due to the more favorable tax rates on capital gains. Finally got Traditional 401K is taxed as ordinary income. For me, most of my money is in the 401K. I do worry about RMD's down the road. If I die still owning the Roth their are tax advantages to an inherited Roth, although that is not my priority.

My partner and I are in the service industry, and im a full time student, we don't make a lot, but iv recently set up a ROTH IRA account with Fidelity. I took a peek at my partner's paychecks last week and noticed hes been contributing to Oregon Saves, and we found he has 6600 in that account. I put my small payment every month into FXAIX, and im wondering if its wise/risky to transfer that 6600 into his own Fidelity account and invest that total into FXAIX before the end of the year? Im still learning the ins and outs of investments so any info would be amazing :)

Sorry for lack of clarity. This 100 a month is purely for a ROTH IRA. Let me know what I can extrapolate on to help you help me!

I thought about posting a similar question in the CFP group, but figured I may get run out of town. My parents have worked with a CFP for a long, long time. As a result, my savings naturally started with the same CFP and they are now managing my primary taxable investment account and ROTH IRAs for my wife and I. However, as I do more and more research and self-directed work through my employer's 401(a) etc., I am seeing a lot of similarity between what my CFP has me invested in and what I might be able to accomplish without a 1% AUM. I am about 20 years from retirement and a couple AUM calculators freaked me out - $600K+ in lost value by retirement? I'm doubtful they can beat the market enough to make up for it.
Thoughts on whether I cut ties, or, keep some with a CFP for a benefit I might not yet understand?
A few other notes:
* No kids and no plans to
* Long term renters (rent is less than mortgage interest on a comparable home and we'd rather invest the difference)
* Joint income \~$350K, maxing out our 401(a)+457+403(b)+HSA
* I might otherwise be comfortable with the idea of just doing "FXAIX and chill," but am skittish of being so tied to the Mag 7
* I'm not one to panic sell
* My primary concern is making sure I'm making intelligent tax decisions now and for when I retire, maybe an equity/bond checkup closer to retirement
* My self-directed 401(a)/457 investment lineup is a mix of index and actively managed funds; my wife has fewer options and is mostly index in hers. Intent was to add some diversification away from 100% US and Mag 7, while keeping close to index returns and offsetting higher ERs lower cost index funds.
* Large Cap/Index
* FXAIX - 41% (.02 ER)
* HACAX - 10% (.67 ER) - some overlap but actively managed
* DOXGX - 6% - (.41 ER) - large cap with currently lower returns, but less Mag 7 exposure
* Mid Cap/Index
* FSMDX - 7% (.03 ER)
* JMGMX - 4% (.71 ER) - has trended above index
* International
* FTIHX - 13% (.06 ER)
* RERGX - 6% (.47 ER) - has trended above index
* CIVIX - 4% (.85 ER) - has trended above index
* Small Cap/Index
* FSSNX - 5% (.03 ER)
* FGROX - 4% (.78)
Thanks Reddit!

So I have a 401k that my employer matches pretty well and I let the brokerage manage the investments. I’ve recently got more involved in stocks and reading up when and where I can, I was curious about ROTH IRAs now.
Would it be overkill or a waste if I open a ROTH IRA on top of the 401k I already have? Currently investing long term into VTI and VXUS and a friend was suggesting I let that sit in an IRA instead of a brokerage.

Note: Webull does NOT offer Limited Margin on ROTH IRA accounts. If you are an active Day Trader of Risky stocks (Sub $1, China, etc.) you would think you can just go to Fidelity or Schwab but they will restrict these to Phone-in only trading.

If you want limited margin AND the ability to trade these type of stocks then Lightspeed is one of the only ways to go. Lightspeed does not restrict and also gives limited margin on Roth IRA.
[https://www.elitetrader.com/et/threads/unlocking-trading-flexibility-for-your-retirement-account-with-a-limited-margin-ira-at-lightspeed.386325/](https://www.elitetrader.com/et/threads/unlocking-trading-flexibility-for-your-retirement-account-with-a-limited-margin-ira-at-lightspeed.386325/)

I tried viewing a statement and it seems the account is split up into source funds from pre-tax deferral, profit sharing, Roth deferral and safe harbor match. So some pre-tax and some post tax contributions (which aligns with what I remember doing). Could I still move everything to ROTH IRA?

I'm using SOFI for my cash brokerage but i think i may move off it, It's good for value investing/swing trading IMO but kind of poor for other things. I use my ROTH IRA in RH to monitor daily charts. I have a price target in mind for my SOFI cash brokerage and if i hit that I'll be looking at other brokerages. I'm not too happy with RH which has had periodically poor performance (candlestick data randomly getting lagged, AWS outage, & other random issues).

Basically title - I have a 401k with my old employer (I believe it was mostly ROTH/post-tax but idk for sure and the app isn't very friendly to find details). Balance is \~$48k. I JUST started a 457b enrollment (pre-tax) with my current employer and don't have an IRA (would set up as Roth) so either way it'd basically be a fresh account.

Would love to retire a little early if possible (<60, currently 30). Figure moving the 401k into one of these accounts that I'd regularly contribute to would better help the account grow. 457b benefit of no early penalty withdrawals sounds appealing, especially if I could retire early, but no taxes for Roth IRA also sounds nice.

As an additional note these would both be entirely self-funded (though I see some IRAs have 1% match plan and have also considered Fidelity with their 2% cashback CC) and separate from employer's pension plan that requires 7% pre-tax contribution & 15.75% employer contribution, so this is not going to be my primary retirement either way.
Still trying to learn, feeling overwhelmed and looking for advice, whether that's direct answers or ideas for research/guidance. Thanks!

Hello Everyone, I am doing a back door ROTH IRA for the first time and I want to make sure I do it correctly. Ive read a few step by step guides and was hoping you guys would confirm my understanding of the process. I have opened both a tradition and a ROTH IRA with vanguard recently. as of now, no funds are in them.
I am going to put $7,000 into the tradition IRA in the vanguard Cash Deposit settlement fund. I will then try to convert the funds to my ROTH IRA account.

this is the part i want to make sure I understand. The cash fund has 1.85% APY so my funds will gain interest when they settle in the traditional IRA. if I convert the funds before the interest is 50 cents then on my taxes, i don't have to pay any tax on the conversion. if its more than 50 cents then I have to pay taxes since I would round up on my tax forms. is that correct?

my next question is, lets say after the fund settle, there is $7,000.30 because of interest, when I convert the funds, will only $7,000 be converted since that's the limit for 2025 or does the 30 cents of interest get converted too? if it doesn't get converted, do I now have to worry about the pro-rata rule?

Did you not read the caption? I’ve been buying index funds and ETF’s mostly. I invest about $10,000 a month, I’ve decided that I want to supercharge my retirement between my ROTH, my maxed out 401K, my employer match of 6%, and my brokerage account, these are my returns. I also own PLTR, NVDA, RKLB and BBAI, to name a few tickers.

So explain how you are doing your backdoor ROTH?
You don't want to combine tax deferred IRA money with post tax IRA contributions. With a backdoor ROTH you would typically use a post tax IRA contribution, then convert it after the money settles (a few days in the IRA in a money market). The taxes incurred would be the money market interest on the dividends during those few days before the conversion, usually a few pennies in interest.
But to do this, it needs to be a different IRA than a 401k rollover account, which would typically be a tax deferred IRA.
To keep things simple, I do my backdoor ROTH savings with a totally separate brokerage firm, just to make sure I don't mix the two types of accounts.

Thanks for the replies everyone! I’m gonna take my time and watch the markets and also read up on the resources you all mentioned. I just now started my ROTH IRA and did a max contribution of VOO and I’m not planning on touching it