{ "media_type": "text", "post_content": "I have been investing in vanguard funds for the past 2 years with recurring deposits every month. I’m at 20% profit so far and was thinking of selling some of these to book profit. I will continue my recurring deposits but wanted to see if selling some of them right now to book profit seems like a bad idea? List of funds are below. My age is 30 is that warranta aome different strategy. TIA", "post_id": "5efd1ce1b92b5d0021c6f60b", "reply_count": 24, "vote_count": 5, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

I have been investing in vanguard funds for the past 2 years with recurring deposits every month. I’m at 20% profit so far and was thinking of selling some of these to book profit. I will continue my recurring deposits but wanted to see if selling some of them right now to book profit seems like a bad idea? List of funds are below. My age is 30 is that warranta aome different strategy. TIA

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Don’t touch it. Let it compound

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You don’t pay taxes on stock gains though, unless you sell. So the majority of gains do compound tax free. And what are you doing with the money? If you just reinvest it then you haven’t done anything except create a taxable event

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Depends, do you enjoy paying taxes on capital gains? If so, then go ahead and sell it all

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If you really want to get fancy you could probably find an inverse ETF that closely aligns with some of OPs current holdings. So buy the inverse ETF, when market collapses you sell the inverse etf hedge and buy up the dip. This way you only pay cap gains tax on the hedge and not your entire portfolio holdings. Beware of inverse ETFs with high expense ratios.

likefunny

I would recommend holding your current investments and saving up whatever you can in a savings account in anticipation of a market dip so you can buy up more of those ETFs at 2018 prices and lower your average cost. Unless you can predict the future, this is nearly always the right choice.

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S&1 I know but if OP thinks that is what is about to happen at least he won’t be paying taxes on buying. Therefore it’s less risky trying to time buying vs time selling due to taxes

Sounds like you’re trying to time the market. Don’t try it

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Haha not really! Atleast not in an overconfident arrogant way 😂 Genuinely trying to understand better

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Is this something you're trying to purchase in particular? If this is just investing money that would have been otherwise sitting in bank account and there's a particular purchase you were after, then yeah go for it. Otherwise just leave it and let if compound/collect dividends

helpful

No 500 or vtsax

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Those shares still have a way to fully recover from peak in Feb. if you sell now you’re locking in 10% loss still. If you don’t need the money, let it recover.

Thank you all experts! It seems the consensus is to let it compound unless the money is needed now! Wishing you all luck and good health :)

I agree with all the comments but if all your Vanguard funds are in stock or bonds, would transfer some of the profits to gold or other metal Vanguard funds if they exist. I am concern about the stock market which does not reflect what our actually economy looks like.

Please don’t do this, this is the worst advice I’ve seen on this bowl

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