CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Diversifying is a good idea for risk management. There are signs the stock market currently is a bit overheated, so it may be a good idea to split money in different places if you want to minimize...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Yes I already do Roth & 401K. This is for funds that I have simply sitting in my bank checking account.
So you don't get taxed on dividends and capital gain distribution? I am not planning...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
ETF's mostly act similar to regular stocks. You're only taxed when you decide to sell them. Captial gain distrubtion is a mutal fund thing. Dividends on ETFs (and stocks) are taxed seperately as...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Vanguard for sure!!!
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Would non-federal tax bonds that Vanguard offers make sense instead of CD's?
On SPY, IVV & VOO ETF's would I be taxed for gains when reinvesting occurs? I am not planning on doing any withdrawals...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Would tax free options that Vanguard offers make more sense instead of CD's for diversification?
On SPY, IVV & VOO ETF's would I be taxed for gains when reinvesting occurs? I am not planning on...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
You can do both for diversification. I do think the stock market is a bit overheated though and depending on whether or not you think artificial intelligence is a bubble can be an added risk. Do...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
I'm not sure about the tax free options.
With regards to ETFs (and stocks), you only get taxed when you sell. Long term holds (at least one year) like what you want to do are taxed at a lower rate.
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Thanks for the advice, thinking about VTI, VXUS, BND and BNDX ETF's to begin with!
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Thanks for clarifying! I have been considering ETF's for this brokerage account, but wondering if I should diversify with bonds in them as well?
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
For recurring investments, I'm evaluating whether CDs or ETFs (Vanguard or similar) make more sense. I plan to invest on a weekly or monthly basis and prefer not to pick individual stocks. With CD...
CD's or Vanguard ETF's
Thread created 01-22-2026 by slicbrat
0 Score
11 Replies
861 Views
Invest in the S&P 500
SPYM has the the lowest expense ratio.
**Open a Roth every year no matter what**
ALL investment gains are tax free.
