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context: I have about $10,000 in a 6-month CD that expires March 1st.
When I am able to access that money, I plan to put it into my Roth IRA up to the max ($7000).
I have read lots of posts on here that lump-sum investing into TQQQ carries the highest likelihood of painful losses. I am not a rich guy like numerous floor, and I can't just dump all this cash into it every week when it's trending down. This $10,000 represents months of hard fought savings and I won't be able to just pump "dry powder" into it.
My Plan
I use M1 Finance for my Roth and rebalancing pies is super easy in that platform.
Start off in March:
| Stable Equities: VTI / VXUS (80/20 split) | HFEA: UPRO / TMF (55/45 split) | TQQQ | |
|---|---|---|---|
| Allocation as % of whole | 87% | 8% | 5% |
| 1st Rebalance | 87% | 5% | 8% |
| 2nd Rebalance | 87% | 0% | 13% |
| 3rd Rebalance | 85% | 0% | 15% |
| etc | etc | etc |
The $7,000 goes into allocations explained in the first line. Every 2 weeks I could rebalance with Stable Equities (VTI / VXUS) acting as my "cash" reserves and edge into TQQQ 1-2 more percentage points each time I rebalance?
**Also I realize I'm not good at formatting tables and it might not be correct**
Post Details
- Posted
- 10 months ago
- Reddit URL
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- reddit.com/r/TQQQ/commen...