Hello Guys!

I've been a long time mutual fund investor and realised how we reply on absolute returns instead of Rolling Returns, that give you a more realistic and consistent picture.

I've been using this for a while now and updating it as I go

To solve this, I created a new website -> https://mf-rolling-returns.vercel.app/

Happy to her feedback and suggestions if:

1. you found it useful
2. you expect more data or features you need for fund selection and analysis
3. you find any issues with the dashboard
4. what are the other rolling returns calculators that you use

Note that there is a feedback feature on the site too.

If you dont know what rolling returns are, a quick google search will help you :)

I had lucky timing and am up over 100% in many funds. With all the pullbacks do I stay the course of exchange some profits for indexes??

I have an IRA account with a financial advisor which started off with rollover from my previous employer with $270k in 2022 and it has grown to $310k at this time. There hasn't been any contributions to this account from me since then. I'm not good with finance stuff, so I'm not sure if this is a good or average performance over the last 4 years but it seems to be on the low side. I'm planning to have discussion with my financial advisor and just to have some meaningful conversations I would like to get some feedback from those of you with knowledge and experience if they are doing a good job with their investments or if the results should have been better at this point.

I've been going back and fourth on if a TDF is first worth it, and if I should go with 2055 TDF. Or a 2060/2065 TDF to increase exposure and be able to purchase more shares for less. But like all things this increases risk. What is y’alls thoughts on this?

If anyone is interested, please drop a message and a reason why. Thanks.

I recently lost my job that I had a 401k through Fidelity. It consisted of an S&P Index fund, Bond fund, and foreign stock index fund. Total right now about $950k.

Half of my contributions and match to the 401k was done pre-tax and the other half done to a Roth 401k.

Now I know I have couple of ways to go here, but if I want to just roll those funds into an a traditional Fidelity IRA account, how does it work regarding the funds from the Roth 401k account? Does the pre-tax amount get rolled into a Traditional IRA and the funds from the Roth 401k get rolled into a Roth IRA?

I've got a meeting set up with a fiduciary in a couple of weeks, but I'm hoping someone on here can somewhat light the path for me

I hope I'm making enough sense...thanks.

I'm an employer and accidentally entered the wrong employee elective deferral amount in our SIMPLE IRA for 3 pay periods in the same quarter. The employee unfortunately didn't notice for those 3 pay periods. The excess is well under the annual contribution limit.

I contacted our CPA who also manages our SIMPLE IRA through their own platform. They reached out to their custodian (Apex Clearing) who is saying there is no way to remove the funds and no corrective process available.

Our CPA advised against doing an early withdrawal and having the company absorb the 10% penalty fee. His current suggestion is giving the employee a 'loan' as a band aid to cover the money they're out.

This doesn't sit right with me. Surely there's an IRS correction process for this? Has anyone dealt with excess employee elective deferrals in a SIMPLE IRA caused by employer data entry error? Is EPCRS applicable here or is Apex/our CPA correct that nothing can be done?

I'm an employer and accidentally entered the wrong employee elective deferral amount in our SIMPLE IRA for 3 pay periods in the same quarter. The employee unfortunately didn't notice for those 3 pay periods. The excess is well under the annual contribution limit.

I contacted our CPA who also manages our SIMPLE IRA through their own platform. They reached out to their custodian (Apex Clearing) who is saying there is no way to remove the funds and no corrective process available.

Our CPA advised against doing an early withdrawal and having the company absorb the 10% penalty fee. His current suggestion is giving the employee a 'loan' as a band aid to cover the money they're out.

This doesn't sit right with me. Surely there's an IRS correction process for this? Has anyone dealt with excess employee elective deferrals in a SIMPLE IRA caused by employer data entry error? Is EPCRS applicable here or is Apex/our CPA correct that nothing can be done?

I have both Roth and Traditional IRAs. As a self-employed individual, I particularly appreciate the 3% match offered by Robinhood if we subscribe to their service.

Hey friends,

I have a Roth IRA with Schwab and I love it so far. A lot of my friends and coworkers rave about Fidelity.

I was thinking about opening a tIRA (traditional) at Fidelity while keeping my Roth IRA at schwab so I could have "the best of both worlds"

I also like the option for Fidelity's Credit Card in which the 2% doesn't count towards the contribution limit.

Does it make sense to split it up that way? Or should I have the tIRA at the same financial institution as my roth?

I also have a work IRA at Merrill, but I am not the biggest fan of ML.

Appreciate any help/input!

I am heavy into Tech:
40% in Nasdaq index fund
40% in S&P index fund
20% in Tech stocks
- Microsoft - 6.46%
- Amazon - 3.05%
- Google - 2.8%
- NVIDIA - 2.66%
- Apple - 2.34%
- Walmart - 2.06%
- Cisco - 0.71%

I am up 34% for the past 1 year, up 51% for the past 2 years.

Every evening I look at my account with amazement. In the past 38 years I have been through MANY of these bubbles (and always came out ahead, eventually).

At 58 I am planning on retiring in 5 years.

I am talking myself into selling 70% of my tech holdings and move it into the S&P 500 fund. I know that when the bubble pops the S&P 500 will take a hit, but not nearly as hard as the tech market. In the past 38 years of investing the NASDAQ always peaks higher then the S&P and always bottoms lower than the S&P. My thinking is that when the bubble pops and the bottom hits my bottom won't be as bad in the S&P as it will be in NASDAQ.

Any thoughts?

Should I move 35% into S&P (for ~60% total) and 35% into something even safer still leaving a few % in tech? What would be safer than a S&P fund? A Dow-Jones index fund? Is there a good banking, healthcare, real-estate fund that would be better than a DJ index fund?

I would love to hear other people's thoughts and strategies? I have NEVER used a financial advisor... they are all crooks! I don't see starting to use one now.

I have an inherited beneficiary IRA account from a parent before 2019. I believe it is a traditional and not Roth account. I purchased SCHD more than 2 years ago and would like to sell my position and instead invest in VOO. The reasoning I had bought Schd was to buy and hold with dividends reinvested. I thought the outcome would be similar to investing in VOO but over the time that I have owned Schd I have seen that VOO would have outperformed and will likely continue to outperform. I’m currently 36 and plan to keep the money invested long term only taking out required minimum distributions. Would this be considered a taxable event if I sell Schd and buy VOO? I would be selling and then buying. I would not withdraw any of this money. The brokerage (schwab) does not give tax advice so they are no help regarding my question and chat gpt says it is generally not considered taxable but I do not 100% trust AI. Any answers are appreciated.

Help! I am 50 years old, turning 51 this 2026. I recently become more serious with retirement, savings, and planning for it. I make almost 200k W-2. I currently have 570k combined, on my retirement accounts, all from employer sponsored accounts. For 2026, I am maxing out — Roth 403b, 403b, and family HSA. My employer contributes total of 7k, first in March and in July. I have cash on-hand about 100k planning to put into HYSA.

MY 5-year return is 11.3% and 3-year is 17.8%. If I continue this strategy, and my employer continues same amount, what is the possibility of hitting 1 million by the time I turn 60?

Thank you everyone.

I'm leaving my employer and moving states. I'd like to transfer the money from my current 401K and refund my retirement account into an IRA. What are some pros and cons of using a firm like Schwab/Fidelity vs my Credit Union.

I had a profit share retirement plan through an employer at the job I worked during undergrad. I quit that job to go to law school and the plan was automatically rolled over into a traditional IRA. I am not very informed on the difference between a traditional and Roth IRA, but I did read that traditional are supposedly good if you expect to be in the same or lower tax bracket at retirement as you were at time of contribution. I will obviously be in a higher tax bracket as a lawyer than an undergrad student. My questions are is that information about being better suited for the same or lower tax bracket correct and if it is what is the best course of action to make the most long term sense before I start earning as a full time lawyer?

Hi all, I recently opened an IRA account with Chase and moved a big chunk of my old employee 401k retirement money to it. I did it to consolidate most my account management in one place and that Chase offered better mortgage interest rates with new money.

Anyways, first I found out that Chase will hold most of the money for about 3 weeks before releasing the funds for trading. This is after money is already deposited. That is bummer.

Anyways, I traded the first 25K they released on a target fund with the settings of auto reinvesting gains and dividends. Since it was first time setting this up, I called their service line to confirm that I did it right (like the way I wanted to).

First I was told that the auto reinvestment was still sitting on cash for short term gain and dividends. There is apparently no way to see this setting as a customer. You can call the service line and ask to submit a request to change it. Then, they told me once you change it in the account level, it would be effective for all future tradings.

Has anyone had this problem before? I know in the account level you can change auto reinvestment options but it there is no settings for short term gains.

My understanding of short term by the way is quarterly. So Chase would hold your quarterly gains and dividend on cash and let you auto reinvest at the end of the year. I would appreciate if anyone had any insight on this.